Tag Archives: Hurricane Harvey

The Status of Appraisal in Texas Insurance Policies & Claims

The majority of insurance policyholders do not realize that their property insurance policy may contain an appraisal provision. Insurance companies attempt to use appraisal provisions to impose unnecessary burdens on insureds and to eliminate the insureds potential to file a lawsuit against the insurance company and its adjusters for violations of the Texas Insurance Code, … Continue Reading

Commissioner of Insurance Extends Deadline for Policyholders to Demand Appraisal for Damages Caused by Hurricane Harvey

On April 18, 2018, the Texas Commissioner of Insurance issued Order No. 2018-5463, extending the deadline for a Texas Windstorm Insurance Association (TWIA) policyholder to demand appraisal on their Hurricane Harvey claim. Harvey made landfall in Texas and affected several parts of the Greater Houston area as well as several coastal areas from August 25 … Continue Reading

Hurricane Harvey FEMA Claims vs. Inverse Condemnation Claims: Do You Know Your Recovery Rights? (Part III)

Hurricane Harvey flooding affected Texas property owners (i) with sufficient flood insurance to cover the loss, (ii) with insufficient flood insurance to cover the loss, and (iii) without flood insurance. This three-part series discusses the differences in property ownership rights and two separate avenues to recovery.… Continue Reading

Policyholders May Benefit From All Their Coverages

Following the devastating damages from Hurricanes Harvey, Maria, and Irma, homeowners and businesses alike examined their insurance coverages to assist their recovery. For most people that have never needed to use insurance benefits, or had only small claims, these policies may have seemed like just another large expense every year that mostly protected the bank … Continue Reading

Hurricane Harvey FEMA Claims vs. Inverse Condemnation Claims: Do You Know Your Recovery Rights? (Part I)

The Hurricane Harvey floods in Texas impacted property owners (i) with sufficient flood insurance to cover the loss, (ii) with insufficient flood insurance to cover the loss, and (iii) without flood insurance all together. The different avenues of recovery and the rights of the different property owners are important issues to understand.… Continue Reading

(T)exas (W)indstorm (I)nsurance (A)ssociation (TWIA) Important information and Deadlines for Hurricane Harvey Claims

According to TWIA’s website, as of November 15, 2017, TWIA has received 72,902 claims related to Hurricane Harvey. So, what happens next? Many of TWIA’s policies, procedures and deadlines are different from that of a typical homeowner’s policy. Thus, it is imperative you read your policy to ensure no deadlines are missed. Below are important … Continue Reading

Hurricane Harvey FEMA/SBA Disaster Assistance Deadline Extended to November 24, 2017

The deadline to apply for Hurricane Harvey FEMA/SBA disaster assistance is quickly approaching. The application filing deadline for physical damage as a result of Hurricane Harvey has been extended 30 days and is now November 24, 2017. FEMA can provide up to $33,000 in assistance to qualified applicants. Those homeowners and business owners who require … Continue Reading

Hurricanes Harvey and Irma Produced Tornados and Tornadic Activity Across Texas and Florida

With the devastating strength and power these hurricanes were bringing, the last thing on anyone’s mind was these hurricanes throwing additional blows to areas that seemed outside of their “cone.” However, those of us that went through Hurricanes Harvey and Irma (and even those watching from areas outside those directly affected) recall all the news … Continue Reading

Theft of Homeowner Property after Hurricane Harvey

After the rain finally stopped falling in the wake of Hurricane Harvey, many homeowners removed personal property from their homes, generally to permit it to dry in the sun. Unfortunately, while we saw many examples of humanity’s best side during Harvey, there remain those who cannot resist the temptation to steal from those who have … Continue Reading

Hurricane Harvey Conference

Merlin Law Group attorney Rene Sigman has been asked to co-chair a Hurricane Harvey Conference sponsored by Harris Martin Publishing. It will be held on October 19 at the Four Seasons in Houston. The conference features a Who’s Who of Texas insurance and class action attorneys. It features a special panel of judges with experience … Continue Reading

Fresh vs. Salt Water Flooding

As I watched Hurricane Irma coverage on CNN, following the landfall in Naples, I was reminded of a problem many insureds faced following Superstorm Sandy: “Is the water the result of flood or rain?” While Naples was in the eye of the storm, CNN showed a six block stretch of water covering streets where rain … Continue Reading

The Use of Shrink Wrap on Roofs

Note: This guest post is by Steven Thomas. As President and Owner of Roof Leak Detection Company, Inc., Steven Thomas has evaluated over 20,000 roofing systems on commercial, industrial, and residential properties, and has been qualified in court as an expert in regards to roof testing and evaluations. His company is an approved Testing Laboratory … Continue Reading

The Immediate Do’s & Don’ts After Harvey

Do: Make sure to assess your property for hazards and safety issues such as fallen trees, downed power lines, electrical outlets or wires submerged in water, broken gas lines, debris, or broken glass. Don’t turn on the electricity if your home was flooded. Call an electrician before turning the power on and/or your electric company. … Continue Reading

Hurricane Harvey Hammers Texas

Hurricane Harvey just hit landfall on the east coast of Texas last night into the wee hours this morning, thrashing along the shore with winds of up to 130 miles per hour. According to CNN, it made landfall as a Category 4 storm with the potential to be very destructive as the National Hurricane Center … Continue Reading
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