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Not all, but may bad faith Insurance companies intentionally delay, deny and underpay claims.  Of course, these tactics are improper, unethical, and immoral but in a pathetic attempt to gin up business for their defense law firm, a recent blog post targeting bad faith insurance companies outlines the benefits of purposely delaying insurance claims as an “effective legal strategy.”

That’s right! Insurance company defense law firms are promoting how insurers benefit by intentionally delaying claim payments to help themselves!

This shocking admission unscrupulously suggests weaponizing insurance companies to put pressure on policyholders and force them to settle for an amount favorable for the insurer. The blog post was removed from the law firm’s website after they were contacted by the Dallas Morning News. We see these tactics daily but have never seen a statement like this.  Read>>   Insurer’s Benefit by Delaying Claims

In our years of experience settling large and complex property damage insurance claims, we’ve come across several insurers who deploy delay schemes to frustrate and wear down policyholders. This blog post shows just how egregious, unconscionable and low some insurers and their legal representatives will stoop.

“Absolutely astounding,” was the reaction of J. Robert Hunter, retired Texas Department of Insurance commissioner. “We knew many insurers operate this way, but I’ve never seen the strategy admitted like this.”

Risk Management just keeps getting more challenging for real estate owners. Insurance premiums and deductibles are skyrocketing. Policy benefits are being diluted and the Texas Supreme Court characterizes the claims process as “adversarial.”  We encourage Policyholders who don’t want to be the victim of wrongful delay, deny, and defend schemes to consider our track record for settling claims fairly and promptly. Holding insurers accountable, properly documenting claims, and successfully avoiding unnecessary litigation is the best path to indemnification.

If you’re dealing with a property damage insurance claim, please do not wait for delays or underpayments. Contact us at the beginning. If you have an open claim that is delayed or underpaid, you’re not alone, we can step in at any time during the claims process to help you get the settlement you deserve.

Insurance Companies Have Experts Working For Them,  You Should Too! ™

Texas Winter Storm Will Yield largest Claims Event In History

Texas Winter Storm Will Cause $18 Billion In Estimated Damages

With billions of dollars in damage expected from the historic Texas winter storm, a state regulator plans to collect data from property insurers to assess costs stemming from a crippled electrical grid, roofing collapses, broken pipes, and other problems, a spokesman said on Friday, February 19th.

Texas insurers expect “…hundreds of thousands of claims…” said Camille Garcia, Insurance Council of Texas spokeswoman on Thursday.

Bitter cold weather and snow have paralyzed Texas since Sunday, February 14th, shutting down much of the state’s electricity grid and freezing pipes and waterways, leaving communities across the state either without water altogether or forced to boil it for safety.

“We expect this to be a large event, but we just don’t know how large it will be,” said Texas Department of Insurance spokesman Ben Gonzalez, noting that the data inquiry mirrors the regulator’s process after other major storms, such as hurricanes.

The process, set to begin in the coming weeks, comes as one firm that models catastrophe risk estimated at an $18 billion tab for property insurers.

Do you have additional questions on filing a claim? Ready to get started? Reach out to ICRS for more information today!

See the full article by CNBC news here.

Matching is one of the most difficult issues to handle within the world of property insurance. For example, if after a hail storm, part of the owner’s siding is damaged, and their siding company no longer carries the existing siding, what is one to do? Should the entire property’s siding be replaced or is it acceptable for the siding company to simply repair the damage with “material of like kind and quality” or with “similar material.”

In the world of property insurance, there are many cases that lead to difficult decisions. One such case is matching statutes. Matching statutes refer to a situation in which some part of a structure’s siding was damaged and the company no longer carries that particular type of siding. What should the owner do? Should they replace all their siding or just repair it with a similar material? In this blog post, we will examine Texas’s law on how to handle these types of situations.

What is one to do when their property’s siding company no longer carries the existing siding? Should the entire property’s siding be replaced or is it acceptable for the siding company to simply repair the damage with “material of like kind and quality” or with “similar material”. This blog post will explore matching statutes in Texas.

Matching is one of the most difficult issues to handle within the world of property insurance. For example, if after a hail storm, part
of the owner’s siding is damaged, and their siding company no longer carries the existing siding, what is one to do? Should the entire property’s siding be replaced or is it acceptable for the siding company to simply repair the damage with “material of like kind and quality” or with “similar material.”

The Matching requirements for Texas are as follows; “Parol evidence rule. If a contract is ambiguous, extrinsic evidence may be relied upon to construe it.”

To read the Matching Statues for each state, click HERE.

Have additional questions regarding the Texas Matching Statutes? Contact Us Today!

Read the full article here.

Don’t let your insurer underpay or delay your
Insurance Claim 


Business owners trust the licensed public adjusting firm Insurance Claim Recovery Support, LLC (ICRS). We are one of the country’s oldest and leading Commercial and Multifamily insurance claim specialists with over $100M in claims settled fairly and promptly. We exclusively represent the interests of and advocate on behalf of policyholders and we’re not attorneys or contractors.

Policies typically require you to file your insurance claim promptly and the settlement process can be taxing. Interpretation of insurance policy language, settlement negotiations and meeting the burden of proving what you are rightfully owed can frustrate you to a point where you may even think about using your insurance company. Almost everyone we’ve ever helped felt the same frustration you do and very often we help policyholders successfully avoid unnecessary litigation. If you are dealing with a large commercial or multifamily property damage insurance claim, I urge you to consider the possibility of protecting your interests, being proactive and do not wait or waste your valuable time dealing with an insurance claim that you anticipate may be delayed or underpaid.

100% of the claims we represent have resulted in faster and/or higher settlements than the insurer’s original offer and we work on contingency, no recovery no fee. Everybody deserves a fair settlement, but the expertise required to successfully navigate the claim process is best left to experts who know how to win the repair vs. replace disputes associated with hail insurance claims.

Insurance companies are for-profit businesses. Minimizing your claim increases their profits. Why allow your carrier’s hired adjuster to document and settle your claim when they don’t represent your interests? Whatever stage your insurance claim is in, we solve insurance claim problems. I look forward to answering any insurance claim questions you may have.


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