Myth busting texas insurance claims, texas storm damage claims 101

TEXAS STORM DAMAGE CLAIMS 101

Texas storm damage attorney Michael Moore debunks major myths regarding storm damage insurance claims in Texas. For more information, visit https://moore-firm.com and https://moore-firm.com/consumer-prote… for more information.

Call The Texas Insurance Claim Lawyers At Moore Law Firm Today

If your property damage insurance claim has been denied, delayed, or underpaid, call the Texas insurance claim lawyers at Moore Law Firm today for your FAST and FREE consultation!

[hubspot type=”form” portal=”24365069″ id=”5e085b67-dddf-48df-bff9-95bfeb131f45″]

Texas Storm Damage Lawyer
4900 N 10th St
McAllen, TX 78504
956-630-4245


AUDIO TRANSCRIPT
00:06
[Music]
00:17
good afternoon everybody hello this is
00:19
michael moore
00:20
we are coming back to you again it’s
00:22
tuesday afternoon and
00:23
um and um reason we’re doing this today
00:26
is that we’ve had two
00:27
major storms in the um in the haddad
00:31
county area in the last
00:32
24 hours and um and we
00:35
got a lot of phone calls and a lot of
00:37
questions and so we thought we’d
00:39
reach out to everybody again um i think
00:42
we’re showing the rate at the radar from
00:44
last night
00:45
uh that storm kind of um uh creeped on
00:47
in
00:48
from um rio grande city over to la jolla
00:51
and over the mission area it sat there
00:53
for hours
00:54
and hours and it kind of hit a little
00:56
bit of a mcallen and then of course
00:57
today
00:58
uh that big storm so
01:02
anyways we’re our title of our theme
01:04
here in this program is called
01:05
mythbusters
01:07
um and we have a couple uh we have five
01:10
questions
01:11
or areas of topics deal with myths
01:14
involving insurance claims we thought
01:16
it’d be appropriate today because of all
01:17
the rain we’ve had i mean who knew
01:19
i mean wow a lot a ton of rain and so um
01:23
if you go outside because we had wind
01:24
and those sorts of things and so
01:26
um if you go around the house you see
01:28
any uh leaks
01:30
let’s see water spots on the interior or
01:33
if you find any um
01:36
let’s say shingles on the ground or
01:38
blown over fences or those sorts of
01:40
things
01:41
um you probably have to well you do have
01:43
damage if you have
01:44
if you have a water spot on your ceiling
01:47
that means you’ve got a leak that’s been
01:49
there for a while so the first
01:51
um of course you think your house looks
01:54
fine so the first myth
01:56
question is um my house looks fine after
01:59
a strong storm
02:00
so that means i shouldn’t file a claim
02:02
well it depends
02:03
it depends basically if you find any
02:05
shingles on the ground
02:07
if you uh or if you find any spots on
02:10
your ceiling
02:12
file a claim the insurance company
02:15
requires you to file a claim in a timely
02:18
fashion
02:19
and so what that means is people of
02:22
course
02:23
we are all procrastinators um
02:26
and you can’t procrastinate on this
02:27
because if you if you wait too long the
02:30
insurance company is gonna say oh you
02:31
waited too long
02:33
uh you prejudice our rights to do the
02:35
investigation
02:36
um and because we want to look at the
02:39
roof in the kitchen condition it was
02:41
soon after the storm
02:44
so that’s not a problem go ahead and
02:45
follow your claim
02:47
and get and get the process going um
02:51
second myth buster is if i if i cash my
02:54
insurance check
02:55
i can’t fight for my claim anymore
02:59
that is not true because the insurance
03:02
company must come out there and they
03:03
must
03:04
conduct a regional investigation they
03:06
must
03:08
and they must pay you for all your
03:09
damages and they have to do that without
03:11
making you sign a release
03:13
okay and so uh if so you can cash that
03:17
check and use that money to make
03:18
whatever temporary repairs uh or minor
03:21
repairs you can
03:22
if it’s not enough and then um and then
03:25
give us a call because we’ll send
03:26
somebody out there to give you a second
03:27
opinion a free second opinion actually
03:30
uh we’ve talked about this in the past i
03:31
mean if our clients of our clients
03:33
um houses uh don’t show damages
03:36
then we don’t we don’t charge them a fee
03:38
for that i mean the consultation is free
03:41
it’s only until we uh we win your case
03:44
uh that you
03:44
get reimbursed for those costs so it’s
03:46
real important
03:47
next one um if i keep finding
03:51
storm damage claims my insurance company
03:54
won’t renew my policy
03:55
good question we get caught we get asked
03:58
this question all the time
03:59
so in your policy it says that you can’t
04:02
the insurance company
04:03
is not supposed to cancel you if you
04:06
file
04:06
two claims within a three-year period of
04:08
time um
04:10
but the insurance companies do it
04:11
anyways okay that’s that’s bad faith
04:13
they’re not allowed to do that
04:15
but the law says they’re not supposed to
04:16
do that if you have
04:18
to win if you had two natural event
04:20
storms like a tornado or
04:22
lightning or or or something effect
04:25
that’s a natural event and the insurance
04:28
company is prohibited
04:30
from um from cancelling your policy
04:33
if you make those claims within a within
04:35
a three year period of time
04:38
if they do cancel you you’re going to
04:39
want to talk to me because there’s a
04:41
reason why they’re canceling you
04:43
and it’s probably because they found
04:44
some stored damage on your roof they
04:46
didn’t tell you
04:47
and now they want to get rid of you as a
04:49
as an insured
04:51
next one hiring a lawyer means i get
04:53
less money to fix my damages
04:55
that’s just absolutely false uh here at
04:57
the moore law firm odd job
04:59
is to go after the insurance companies
05:01
and go get the damages you are owed
05:04
and go get the attorneys fees you are
05:06
owed and
05:07
um and uh and get what they call prop
05:10
payment penalties statutory penalties
05:12
these damages uh allow us to go collect
05:15
so that at the end of the day you get um
05:17
you get enough money to get your house
05:18
fixed it’s
05:19
our job and we don’t stop until we get
05:21
to a point where we feel confident
05:23
that um that you know you’re going to be
05:25
made whole
05:27
last question here is insurance
05:29
companies would oh here’s
05:31
this is the myth buster insurance
05:33
companies would never
05:34
do anything illegal to reject my claim
05:37
well
05:38
that’s what they do i mean that’s the
05:40
whole the they violate the law all day
05:42
all day long
05:43
uh they fail you to go out what are the
05:46
issues we see that that are violating
05:47
the law
05:48
the the big one is they don’t go out to
05:51
the uh to the property
05:53
and conduct a real investigation they go
05:55
out there to do a what they call
05:57
a um an oriented result
06:01
investigation in other words they go out
06:02
there knowing they’re not gonna pay the
06:04
claim
06:04
i can’t tell you how many cases that
06:06
we’ve seen
06:07
where the insurance company goes out
06:09
there and they adjust the claim
06:11
it’s right under the deductible in other
06:13
words if you have a 2000 deductible say
06:15
oh you have nineteen thousand and fifty
06:17
dollars or nineteen hundred and fifty
06:18
dollars in damages
06:19
you get zero i mean it’s very typical
06:22
very common or they’ll do it right above
06:25
the deductible
06:26
and it’s because then later on when we
06:28
send our expert out there’s and they
06:30
find 20
06:30
000 damage or 50 whatever it may be um
06:33
and then
06:34
getting the case settled and um so
06:35
that’s that’s an illegal act
06:37
um not conducting a reasonable
06:39
investigation
06:40
um uh with competent adjusters a lot of
06:43
times these
06:44
insurance companies and adjusters out
06:45
there that they don’t have they don’t
06:47
know anything about building a roof
06:49
okay um and they’ll say oh your roof’s
06:52
fine
06:52
well really i mean
06:56
you’ve got to be competent a competent
06:58
person to do these investigations you
07:00
have to have
07:02
get experience in in construction work
07:04
you got to have some experience in
07:06
roofing
07:06
a lot of these adjusters have zero
07:08
experience or
07:10
they’ve been told by their company go
07:12
out there and take a few photographs
07:14
and then write up an estimate right
07:16
underneath the deductible
07:18
it’s a result oriented investigation
07:20
that’s against the law
07:21
anyways my name is michael moore the
07:23
moore law firm
07:26
in the next week or two we’re going to
07:27
be giving out the survival buckets
07:30
uh and we’ll be i’m posting another um
07:34
video on that about what’s in the bucket
07:36
and what
07:37
what what’s in there in terms let’s say
07:39
there’s a flashlight
07:41
and radio and water you know those sorts
07:43
of things
07:44
because um because the peak uh
07:47
the peak month four hurricanes is right
07:50
around the corner
07:51
um i was looking at some statistics uh
07:54
last night
07:55
and beginning at the end of august and
07:58
that’s where it peaks in september
08:00
uh that’s where uh when the um the the
08:03
the season is at its highest
08:05
likelihood for storms and we’ve had a
08:08
lot of rain this year
08:09
and who knows what’s going to happen
08:10
with the storm so if you don’t have some
08:13
insurance coverage you’ve got to get it
08:15
now because if there’s a storm out
08:17
in the um in the in the gulf of mexico
08:20
your uh the the insurance companies
08:23
don’t write windstorm or hurricane
08:25
coverage
08:26
so you got to get that done anyways
08:29
again my name is michael moore the moore
08:30
law firm we’re kind of going through the
08:32
five most common myths
08:33
and we bet back in touch with you guys
08:36
soon to talk about the
08:37
survival bucket and other sorts of
08:40
things
08:41
associated with these claims and if you
08:43
have any questions about your case or or
08:45
your claim um and what to do and how to
08:47
do give us a call
08:49
like i said if you already have a claim
08:51
that’s already been closed
08:53
and you want a free second opinion
08:55
that’s what we do we give free second
08:57
opinions
08:57
and if there’s a case uh there’s no
09:00
charge to you until we win your case
09:02
if you don’t have a case there’s no
09:03
charge to it all so it’s a win-win
09:06
situation
09:06
again this is michael moore at the moore
09:08
law firm um i hope you
09:10
have a nice afternoon our number here is
09:12
erica 956 4 million
09:14
that’s four zero zero zero zero zero
09:16
zero
09:17
have a great tuesday afternoon and talk
09:19
to you soon
09:21
take care
09:22
[Music]

Click Here to Read More -> Windstorm damages lawyer

Scroll to Top