Tag Archives: HAAG Engineering

Do Insurance Companies Hiring Haag Engineering Follow the Golden Rule? Come To The TAPIA Conference and Find Out!

HAAG’s chief engineer and owner, Tim Marshall, made at least 25% of his personal income from State Farm and was designated as an "impartial" appraiser. If you were his mother, sister or relative, would you think somebody making 25% of their income from another party was "impartial?" Just apply the Golden Rule when thinking about … Continue Reading

When Insurers Hide Behind their Experts in Texas

One strategy insurance companies use to avoid bad faith liability is claiming that they reasonably relied on their experts’ reports to deny a claim. Texas law on bad faith states that an insurer breaches its duty of good faith when: (1) denies or delays payment of a claim for which liability is reasonably clear, and … Continue Reading

The Science of Roof Damage Claims Caused by Wind

The inaugural First Party Claims Conference in Providence, Rhode Island, has been a success. Over 200 hundred registrants discussing various aspects of first party property insurance claims have made for a very educational adjusting and legal seminar. Since I have been involved in so many disputes involving damage to roofs following hurricanes and tornados, I … Continue Reading

Cosmetic Damage is “Physical Damage” and Recoverable Under a Property Insurance Policy

Yesterday’s post, Physical Damage is Needed to Collect for Loss of Warranty, may lead some to think that property insurance policies require “structural” or a “functional” destruction before coverage is not afforded. This simply is not true. Alterations to the physical appearance of a structure or personal property are covered so long as the cause … Continue Reading

State Farm “Qui Tam” Hearing Raises Issues of Wrongful Adjustment

An important evidentiary hearing concerning alleged wrongful claims practices is taking place in Mississippi. Since the allegations partially involve an insurance company obtaining altered or biased reports from experts, it should be studied by those with similar concerns in other areas of the country. The primary issue in this case is whether State Farm adjusted … Continue Reading

“Physical Direct Loss” Caselaw and TWIA’s Roofing Memo

For those of you that read something and you think it is dead wrong, do your eyes squint and head start shaking? Mine did when I first read the internal TWIA roofing memo. As I read it, I was thinking: "Does the TWIA claims executive who wrote this not understand the basic insurance principle of what … Continue Reading

The TWIA Roof Damage Memo: Checking Basic References to Resolve Adjustment Questions

The post from this morning, Internal Texas Windstorm Roofing Claims Memo Explains Damage is Not Covered, raised a number of interesting methods to research this coverage issue. Many risk managers and public adjusters will simply call me to get a quick opinion regarding many day to day coverage issues. I thought it might be interesting … Continue Reading

Insurance Company Experts Are Often Biased And Outcome Oriented

Our firm has friends in the insurance industry and other sources of information who have privately provided evidence of wrongdoing by insurance companies. On more than one occasion, documents evidencing wrongful insurance claims conduct have appeared on my front door or in unmarked mail with anonymous notes asking that the information be disseminated. Sometimes, the … Continue Reading

Why Causes Of Loss Are Important To You

The probability of a ruinous event happening may change behavior or cause you to insure to reduce the misery. The greater the financial misery, the more likely you are to insure yourself when it strikes. The greater the chance of the event happening, the more likely you will take measures to avoid the misery. The … Continue Reading