Question Presented When is a homeowner-borrower an intended third-party beneficiary under a lender-placed insurance policy? Short Answer A homeowner-borrower is an intended third-party beneficiary under a lender-placed policy when the policy confers rights and or duties directly to the borrower. Discussion Third-party Beneficiaries The question of whether or not a homeowner is an intended third-party […]
I just recently settled a property insurance case regarding an automobile theft incident. My client’s car had been stolen in May 2013 and when he submitted the claim to his insurance company, they gave him the run-around. They asked him to fill out form after form; submit to Examinations Under Oath; asked him for keys […]
Recently, Arizona Home Insurance Company attempted to dismiss our client’s suit on the weak argument that the suit was brought more than two years after the date of loss. Our associate, David Chistoffel’s response convinced the court to over-rule the insurance company’s motion. Good job, David! Let’s hope they stop wasting resources and start living […]
Where in your insurance policy does it say you have to be “man enough” to overpower insurance company adjusters? I promise you, it’s not in there!
When we pay premiums for a policy, we are paying for the promise from the insurance company that they will make us whole if some covered loss were to damage our property. We’re not expecting to have to verbally or physically “out man” the insurance company’s hired guns—or is it hired goons? […]
Not only did Allstate fail to fairly pay our client on their hail damage claim, they are also tried to have their case dismissed on summary judgment. As you can see from the judge’s order, linked below, the court was not fooled. Great Job Attorneys David A. Christoffel and Andres Arguello! At Arguello Law Firm, […]
All the recent hailstorms lately—Denton, Frisco, Dallas, Killeen, McAllen, Eagle Pass, etc.—have reminded me of an issue I’ve been meaning to blog about for quite a while. I first ran into this “patching” or roof repair issue when I was working as an independent insurance adjuster for State Farm and USAA. We would be instructed […]
If you have homeowners insurance or renters insurance you need to understand your rights. Most policies which include personal property or contents fall under two forms of coverage: replacement cost and actual cash value. Replacement cost value means what you would expect: your property is covered up to the amount of the manufacturer’s suggested retail […]
On April 4, 2014, severe storms and tornados hit the Dallas and Denton, Texas areas, including Frisco and Allen, Texas. I have personally worked hail storm claims in the North Dallas area before, both as a public adjuster, as an insurance adjuster, and as an insurance bad faith attorney. In my experience in Garland and […]
A line of severe thunderstorms pushed through Central Texas Friday, March 28, 2014. The storm system produced high winds, heavy rain and hail storm damage. In some areas, the hailstones measured up to three inches in diameter. Several homeowners in the Dawson Ranch Subdivision in Belton, Texas, had suffered from shattered windows due to hail […]
A judge in the 346th district court in El Paso, TX struck down an insurance company’s attempts to conceal documents requested under discovery. The Defendant claimed these documents were privileged and protected, though the Judge did not agree and granted Plaintiff’s motion to compel.