Should I Take The Insurance Company’s First Offer? Texas Storm Claims 101

TEXAS STORM DAMAGE CLAIMS 101

Texas insurance claim attorney Michael Moore answers your questions about Texas storm damage claims. Please visit https://moore-firm.com or https://moore-firm.com/consumer-prote… for more information.

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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!

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


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[Music]
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hello everybody michael moore here good
00:25
afternoon monday afternoon and we
00:27
survived another weekend how are y’all
00:28
doing
00:29
um anyways it’s been a while since we’ve
00:31
been back um contacting everybody here
00:34
locally about claims and so um
00:37
as uh summer march is on we’re now in
00:39
august
00:40
and um august is the really um
00:44
historically in my experience has been
00:46
um
00:47
really when the hurricane season really
00:48
begins to um
00:50
crank up and so uh especially in this
00:53
august and september it’s um it’s coming
00:56
around and so we’re going to be giving
00:58
you guys some more of these um little
01:00
presentations kind of reminding
01:01
everybody what to do
01:03
uh we do not get a lot of questions from
01:04
time to time
01:06
um and so we wanted to answer some i
01:08
guess viewer mail
01:10
as it might be um but remember um
01:13
hurricane season’s here we’re in the
01:15
middle of the whole thing we’ll be
01:16
giving away
01:18
uh fairly soon um a survival kit we have
01:20
two survival kits
01:22
that will be given away here shortly uh
01:25
joseph in my office here will go through
01:27
theirs go through the the kit and how to
01:30
work those sort of things and what the
01:31
kit’s made of how to work it and that
01:33
kind of stuff
01:34
here pretty soon the next few days we’ll
01:36
be giving you guys update and then we’re
01:37
going to have
01:38
he’ll talk to you about how to register
01:40
for that because
01:41
um it’s each one’s worth several hundred
01:43
dollars and um it’s a free
01:45
nice giveaway for folks out there that
01:48
um
01:48
are interested in being prepared so
01:50
anyways uh we’ve got some questions
01:52
that we’ve um got frequently
01:55
asked these sort of questions and then
01:57
we thought maybe we’d go over a couple
01:58
with you guys today
02:00
and um so the first question i have here
02:02
is from david from edinburgh texas
02:05
david wrote i’m thinking about hiring a
02:07
lawyer for my roof claim but i’m suppose
02:10
but i’m am i supposed to pay out of
02:12
pocket uh uh for my roof
02:14
if negotiations take long okay very good
02:17
question
02:18
so in other words um hey you’ve got a
02:20
damaged roof
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and the insurance company has taken a
02:23
long time to make a decision what can i
02:25
do
02:26
well first thing you need to do is give
02:27
us a call because we you’re going to
02:29
want somebody like us to go over there
02:31
and document the damages so that we can
02:34
present the claim for the insurance
02:36
company but after we what we do is after
02:38
we go out there
02:39
with our experts and uh photographic uh
02:42
and and do all kinds of things to
02:44
preserve it then what we do is give
02:46
notice the carrier hey by the way
02:50
david from edinburgh is going to do the
02:52
repairs
02:53
and we’re giving them proper notice and
02:55
then you can go ahead and do the repairs
02:57
and we can present the claim the carrier
02:59
the problem we see a lot of times is
03:01
that people are
03:02
very anxious they want to do the repairs
03:04
right now and what they’ll do is they’ll
03:06
go out there and get a roofer to do the
03:07
repairs
03:08
pay for the repairs and then it doesn’t
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give me a chance as your lawyer
03:13
to give to go out there and fight for
03:14
what you’re owed and without that
03:16
information it really prejudices your
03:18
rights to go after so just take your
03:20
time
03:20
give us a call we’ll get somebody right
03:22
out there very very quickly
03:24
and um and we can get you your case
03:28
your claim and your rights preserved so
03:30
you can make sure the insurance company
03:32
pays you what you owed okay next one
03:34
eliza from hondo texas
03:37
we just had a town hall recently out
03:39
there honda got hit very very hard with
03:41
a
03:42
very significant health storm she writes
03:44
i have a separate shed in the backyard
03:46
and that suffered pretty extensive damn
03:47
storm damage but my insurance company
03:50
won’t cover it what should i do
03:52
okay very like the situation with david
03:54
um
03:55
and edinburgh you’re going to want to
03:57
get
03:58
our law firm involved early on so that
04:00
we can go out there and document that
04:02
and present that
04:03
information to the carrier uh what
04:06
happens is
04:06
that we present this information to the
04:08
carrier the carrier has
04:10
60 days to come out there and resolve
04:12
your claim
04:13
and if they don’t do it they’re going to
04:14
be reliable for um you haven’t hired a
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lawyer
04:17
and for bad faith and statutory
04:19
penalties and all kinds of
04:21
of stuff like that so but you’ve got
04:23
you’ve got to get somebody like us on
04:25
board early on so we can get that
04:26
preserved for you
04:27
so we can present that information uh
04:29
because a lot of times we see the
04:30
carriers
04:31
will pay for let’s say the interior
04:33
won’t pay for the roof and then leave
04:34
out the shed and then
04:36
you know there’s no fence involved i
04:38
mean this adds up for tens of thousands
04:39
of dollars over time
04:41
so you’ve got to get organized we do the
04:43
work for you
04:44
we’ll get it organized for you and get
04:45
it presented the carrier
04:47
elijah from far texas writes i just
04:50
filed my homeowners insurance how
04:52
quickly are they supposed to get back to
04:54
me with a decision
04:55
and what should i do if they take longer
04:57
than that okay great question
04:59
now texas law says this once you file
05:02
your claim
05:03
the insurance company has 15 days to
05:06
acknowledge your claim and to accept
05:09
deny coverage
05:10
and oftentimes what they do is they’ll
05:12
say oh we’re going to investigate it
05:14
and then we’ll report back to you but
05:16
they have 15 days to acknowledge your
05:17
claim
05:18
and then they have up to another 30 to
05:21
60 days depending whether or not they’ve
05:23
asked you for documents or
05:25
for you to do certain things like proof
05:26
of loss or whatever it may be
05:28
but it’s between the 30 to 60 day time
05:31
period
05:32
the carrier must complete its
05:34
investigation
05:35
upon receipt of your notice of
05:38
of the of a claim and a lot of times we
05:41
have clients come in here and say hey
05:43
i i called and i called allstate or call
05:45
state firm or whatever their insurance
05:47
company
05:48
they came out and looked at the property
05:49
and i don’t know anything nobody’s
05:51
responded to anything
05:52
so what we do often times that the
05:54
client calls us up and say hey i’m
05:56
confused
05:57
i don’t know what to do what we’ll do is
05:59
we’ll send a letter representation
06:01
over to the carrier to go get a copy of
06:04
the adjustment
06:05
and usually they do sometimes they don’t
06:08
we have to send them several times we
06:09
finally get it
06:10
to see where they are with the situation
06:13
because the insurance company has a duty
06:15
to to report back to you as the
06:18
homeowner
06:19
or the business owner the damages to
06:22
your property they must put it in
06:24
writing
06:24
and they must do it in a timely fashion
06:27
if they don’t do that that’s called bad
06:29
faith here in texas okay
06:31
uh next question fernando from san
06:33
antonio
06:34
uh this company insurance companies
06:36
pressure me to accept the settlement
06:38
but i but i think it may be too low what
06:41
can i do
06:42
okay so a lot of times clients get
06:44
confused over this because they think
06:46
that the first
06:47
adjustment from the carrier is it and
06:49
they don’t want us you know they don’t
06:50
want to cast the check
06:51
whatever okay there’s no prejudice at
06:53
all you can take that money
06:55
and the first money that’s offered and
06:57
and use that money for
06:59
rep whatever repairs that they’ve
07:01
acknowledged
07:02
sometimes it’s very little sometimes
07:04
it’s just several hundred dollars
07:06
um you need what you need to do
07:09
right off is if you’ve got leaks in your
07:11
house use that money to get
07:13
uh to put a tarp on your roof or do
07:15
temporary pairs with a roofer
07:17
but there’s no prejudice at all you
07:19
don’t sign a release
07:21
you won’t lose your claim if you uh if
07:23
you if you
07:24
real people are very very worried oh i
07:26
cast a check that’s all over
07:27
that’s not true if you cast the check
07:30
you still have rights you still have
07:32
rights give us a call
07:34
because you haven’t given away your
07:36
claim the insurance company has to give
07:38
you what you’re owed
07:40
without making you sign a release if an
07:42
insurance company asks you to sign a
07:44
release
07:45
in exchange for a check that release is
07:47
not valid under law so
07:49
hey listen we’ve seen it all around here
07:51
guys uh we’ve seen all kinds of things
07:53
with carriers try to
07:54
people sign releases all kinds of stuff
07:56
we’ve gotten those knocked out
07:58
i don’t know how many times okay uh you
08:00
know you’re gonna need somebody like our
08:02
law firm
08:02
that that’s gone through the combat with
08:04
these carriers we’ve seen all the
08:06
all the things they put up uh to confuse
08:09
people
08:10
uh and get people confused and so we
08:13
know
08:13
we know how to handle these folks uh we
08:16
know all the minefields and all the
08:17
tricks and traps that these carriers do
08:20
and um you know what they’re not
08:21
supposed to do that because they gotta
08:23
treat you in good faith
08:24
an insurance company can’t lie to you
08:26
did you know that
08:27
an insurance company cannot legally lie
08:29
to you if they do that to you
08:31
then they are going to be held legally
08:33
liable for a lie for a big fat lie
08:36
and um and that’s called bad faith
08:39
um last question uh this is from jason
08:42
from sullivan city
08:44
i got money from my roof claim back in
08:46
2018 but i used all the money to pay my
08:48
child support
08:50
can i just file another claim for more
08:51
money no jason you can’t do that
08:54
uh listen that money is for your
08:55
property it’s not for your child support
08:58
or for you to go to disneyland or go to
09:00
the liquor store or whatever it may be
09:02
this stuff this is your money for your
09:04
property you’ve got to use it for your
09:06
property
09:07
if you don’t use it for your property
09:08
then you’re going to be in big trouble
09:10
with your insurance company and with
09:11
your mortgage company
09:12
so watch to do okay guys okay hey that’s
09:15
it for this afternoon we’ll talk to you
09:17
some more
09:18
again be on the lookout for uh joseph
09:20
here in my office he’s going to go
09:22
through the uh through the survival kit
09:24
and we’ve got some other exciting news
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coming up here
09:27
uh you all take care and have a
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wonderful week and we’ll talk to you
09:30
guys soon
09:31
okay take care bye-bye
09:45
you

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