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Insurance Companies Must Respond to Recent January 9 Storm Damage Claims, Houston Lawyer Says

Insurance Companies Must Respond to Recent January 9 Storm Damage Claims, Houston Lawyer Says











Houston attorney Brad T. Wyly


(PRWEB) January 17, 2012

Powerful storms, including a reported tornado, swept through Houston and its surrounding areas last week, causing damage to homes and businesses that may be covered through individual insurance policies, says Houston attorney Brad T. Wyly.

Unfortunately, Wyly says, too many of these first-party insurance claims will lead to disputes between home and business owners and their insurance companies.

“After a natural disaster strikes, such as a storm, tornado or hurricane, you expect your insurance company to do what the policy says they’ll do and pay full value on your claim,” Wyly says. “However, insurance companies make money by minimizing the amount of money they pay to settle claims. In too many cases, that means they will unreasonably delay or deny claims.

“If that occurs to you in the aftermath of these terrible storms, it’s important to seek the help of a first-party insurance claims lawyer who has experience with handling these types of disputes and who is committed to protecting the rights of insured parties,” said Wyly, whose Houston law firm evaluates business / commercial property first-party insurance claims and residential / homeowners claims.

According to the Houston Chronicle, homes and businesses throughout the Houston region were hit hard last week by storms that dumped up to four inches of rain overnight in parts of Harris County and nearly seven inches in spots near Sugar Land.

In addition to rain and flooding, the storms also brought strong wind gusts, including a tornado packing 95 mph winds that touched down briefly in the Mission Bend community southwest of Houston on January 9, the Chronicle reported.

If the hail, strong winds, flooding or falling branches and other debris from the storms harmed an insured’s residential and / or business properties, the insured may have already filed a claim for compensation. The terms of the policy will control what is covered, Wyly said.

A Texas insurance company must acknowledge the claim within 15 days of receiving it. In most cases, the insurer will then send a claims adjuster to inspect and evaluate the damage, Wyly said. If the insurer accepts the claim, the company must pay within five days of acceptance.

“Issues arise when the insurance company, after sending out an adjuster, agrees to pay only part of the claim or rejects the claim outright,” Wyly said. “There are also cases where the insured party waits weeks, months – even years – for the company to pay the claim. When you’re dealing with the need to make immediate repairs to your home or business, a lengthy delay can be extremely frustrating.”

According to the Houston first-party insurance claims attorney, Texas law entitles policyholders to penalty payments if an insurance company fails to meet required deadlines.

If the company fails to attempt to reach a fair and reasonable settlement of a first-party insurance claim, then the policyholder may be entitled to bring a bad-faith insurance practices lawsuit against the company under the Texas Insurance Code, Wyly added.

“The bottom line is that insurance companies have a legal duty to deal with their policyholders in good faith, whether you are a residential property owner or a business property owner,” Wyly said. “When the company fails to fulfill that duty, the law entitles you to relief.”

About Wyly Law Firm, P.C.

The Wyly Law Firm, P.C., is a Houston law firm that represents home and business owners in first party insurance disputes and personal injury victims, including those injured in car, truck, motorcycle, bicycle or pedestrian accidents, throughout Houston and surrounding communities, including Harris County, Baytown, Pasadena, Galveston, Beaumont, Bellaire, Cloverleaf, Spring Valley, Missouri City, Aldine and Jersey City. The firm also handles business law issues and disputes.

Attorney Brad T. Wyly, the firm’s founder, is a skilled negotiator and lawyer. Wyly has extensive experience in personal injury cases, including claims involving complex accidents, catastrophic injuries and wrongful deaths. He has been named a Rising Star in Law & Politics magazine. To contact Wyly Law Firm, P.C., call (713) 574-7034 or use the firm’s online form.

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Clarion Event liability insurance covers host of resources

Article by Michel Jordan
























Insurance is a secure safety measure that ensures the protection of the insured goods. In the past, people were not open to the idea of insuring their items, but today they are open to new ideas that benefit them through insurance. Public liability insurance was introduced to cover a host of things that can go wrong during a performance or concert by assuring to spread a helping hand in times of adversity.

Nowadays, public liability insurance is available for musicians, bands, performers, etc. Accident insurance for musicians, entertainers and performers and liability for music groups, concerts, parties, festivals, and more fall under the insurance coverage. our company is that has its roots firmly set. For over 25 years, Clarion Associates has provided the best insurance products for musicians and the music industry. The guarantee it provides ensures the client that their insurance will be placed with reputable insurers. With the insurance plans of Clarion Associates by their side, clients no longer fear for the protection of their assets. Hence it is recommended to all those without insurance should seek a reliable and reputable event liability insurance provider that offers the best options and flexible policies. Clarion Associates is well-known for offering public liability insurance for musicians and it also provides a host of other insurance policies for better coverage of musical instruments. Clarion Associates, Inc. highly values its customers, thus are open early and stay open till late for customers’ convenience. The Clarion dealer network is a group of instrument dealers that are available for emergency repairs as they understand the importance of your valuable instruments.

Special Event Liability Insurance provides you and your ensemble with protection for third party bodily injury and property damage arising out of an event. By covering many types of events such as fairs and festivals, consumer shows, fundraisers, dances, meetings, luncheons, parties, weddings, concerts, and more, our company guarantees great insurance services. Clarion Associates understands the needs of musicians and with their vast knowledge in the industry they offer wide customization of their policies to satisfy and meet the needs of professional musicians. By and large, all the titles and professions are covered under this public liability insurance service by Clarion Associates. Clients need to have faith in the insurer that the appropriate amount will be provided when paying the premium at regular intervals and must have decent knowledge about liability insurance to be able to understand the fundamentals. Basically public liability insurance covers you against the ruin of your fortune for the slightest mistake since lawsuits can be very costly to defend.


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The author states the various offerings of Clarion Associates, a musical instrument insurance provider that provides drum insurance, Cello Insurance as well as acoustic guitar insurance.












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How To Find Affordable Home Building Insurance

Article by Elisa
























Here’s the scenario: You get home from work, call your spouse and head to the website of your new dream home. As you pull into the lot, you can tell something is wrong: the partially-built house was ransacked. And just a dream turns into a nightmare. Home buildings insurance is essential to protect your home for the future. Criminals strike quickly if there are no doors and no one at home. But the effects of bad weather could be worse for a house with an incomplete structure. Or by fire, with no one around and no smoke detectors. Fortunately, allows a search online from home building insurance provider you to easily find affordable coverage.

The starting pointUnless you are one of the lucky people who have paid for his house in advance, then you need to buy a house building insurance. Virtually every lender will require it. So, at the beginning you have to buy a policy to protect the dwelling and its contents and personal liability insurance. It is also very important to verify that the contractor is insured, so you know this person covered for his work. A contractor or builder is not always required by law to build the supply have, so you should always ask. Then you will be accidents that occur with the contractor at work or materials protected.

LiabilityIf you already have the land, then you are responsible for any accidents that occur on site. If a child is injured playing on the site, you need to make liability insurance that you do not suffer in a costly lawsuit. Imagine, for medical expenses, pain and suffering and other claims that thousands or millions of dollars could pay cost. Your home project would be likely tocompletely abandoned. Liability insurance is an important part of building your home insurance.

AssetsYour contract includes formulation of who owns the materials used to build the house. The Contractor will, of course, own your own equipment, but you need to know if you have the responsibility to build things like the wood for cabinets. It is likely that the responsibility for these things to completion, you need a builder’s risk insurance policy for you means to protect against theft. When sitting on a shelf in the foyer prior to the installation, and somebody steals it, not replace, a homeowner’s policy.

Comprehensive Home Insurance BuildingA good way to study is a course of construction policy. This figure does not include liability insurance, but can most risks, including builders risk, fire, vandalism, and to cover replacement costs. If you shop around to have this type of policy, you can probably find comprehensive coverage at a reasonable price. Make sure you check the cover on so you’re not surprised later to your future home has suffered something catastrophic. Also note that the market value does not come into play you here. Insurer assessments of their own replacement value. Since these assessments to inform their premiums, it is advisable to compare many insurers as possible, as you can. A free service NetQuote.com like this can do for you. You can quickly compare prices and see which insurance works for you. Home building is often a long and expensive process, but at home buildings insurance need not be.

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