The more I talk with Hurricane Ike victims, the more I hear the same story regarding the run-around they’re getting from their insurance company.  Most people are faced with constant frustration from their insurance company in the form of a revolving door of adjusters, constant requests for more information and documentation, and unreturned phone calls.  Unfortunately, many of you are not alone in fighting the battle against your insurance company to get your hurricane claim paid.  I see over and over common claims handling practices implemented by insurance companies to cause frustration. They do this in the hopes that homeowners will simply give up.  When you give up, the insurance company wins.  I would like to hear from you on this type of insurance practice.  Please share your story with me. Your story can make a difference.

Has anyone out there heard of  the Texas Windstorm Insurance Association? We are getting calls from homeownwers who have been denied the money they’re owed because the windstorm carrier says their home was damaged by flood and the flood carrier says their home was destroyed by wind. If your home suffered both flood and wind damage, we want to hear your story.  Tell us if your windstorm coverage carrier is using flood as an excuse not to pay you what you are owed on your wind claim.

TWIA covers the Texas Gulf Coast counties of Aransas, Brazoria, Calhoun, Cameron, Changers, Galveston, Jefferson, Kenedy, Kleberg, Matagorda, Nueces, Refugio, San Patricio and Willacy. 

TWIA also covers designated communities in Harris County that are east of State Highway 146.  (Pasadena, Morgan’s Point, Shoreacres and La Porte.)

I get a lot of questions about what is covered as additional living expenses or “ALE.”  ALE covers most things that you have to pay for because your home is unlivable.
MILEAGE: If you are out of your home and having to travel an 30 additional miles to/from work, the vast majority of homeowners insurance policy’s ALE will cover these additional expenses. So keep track of those miles and submit them to your carrier. They generally reiumburse at the current published IRS reimbursement rate.
DRY CLEANING/LAUNDRY: If your alternative living conditions don’t have a washer and dryer and you have to get clothing dry cleaned, ALE should cover those costs.
EXTRA CHILD CARE: ALE should also cover alternative child care. For example, if you regularly care for your children in your home, but your home is uninhabitable, especially for kids, then ALE should cover the cost of day care. Also, if your temporary living situation is too far from your regular child care and you have to find a second caregiver, then ALE covers you.
UTILITIES:  If you are staying in a house or apartment where you must pay for all or a portion of the utilities, then those costs should be reimbursed under your ALE coverage. These expenses should be covered even if you are still paying the utility bills for your home.
These are just some of the examples of additional expenses that homeowners incur when they are forced out of heir homes. Make sure to review all of the extra costs you have to see if they should be reimbursed. Insurance companies should tell you this, but they don’t.

On your Hurricane Ike damages do you realize your insurance company trains their adjusters to use a computer program to estimate the amount of money they will offer you for your damages. The problem is this program is designed to protect the insurance company and not you. Often you may be offered many thousands of dollars below what you may actually be due. But you do not have to accept this… you should get all the money you deserve.

Watch this Hurricane Ike video. Is your home worth less now than before the storm? If so you may be like thousands of people who feel thier insurance carrier has betrayed them. The sad truth is your insurance company is driven to protect their profits and not you in times of disaster. Many hurricane victims feel their insurance company has delayed, lied and cheated them. But they don’t know what they can do to correct these wrongs. You may feel this way to. If so we can help you.

Watch this video message we are sending out to all of the Texas hurricane victims who may be being treated unfairly and in bad faith by their insurance company.


Finding time to spend a couple of days away from our legal work is a good thing. But after a few days of relaxation we are always eagar to get back to work. We are now helping thousands of hurricane victims resolve the many problems they are having with their insurance company. We dedicate ourselves to this work. Often we find people we help may be due many thousands more than their insurance company offers to pay.

Many insurance companies under evaluate insurance damages and deny claims unfairly. Some act in Bad Faith. Often we work with clients who feel their insurance has delayed paying their claim, lied to and cheated them. Fortunately all of these wrongs are against the law and insurance companies can be brought to justice. And the good news is when you’ve been treated unfairly the law provides for your insurer to be held liable not just for all your damages but also for all attorneys fees, expenses and interest.

In Texas many of the largest property insurance companies in the world now stand accused by ytheir own customers of unfair treatment and BAD FAITH.  Is your insurance company on the list of those now standing accused. It’s easy to find out. Just contact us at 1-800-TX_LAWYER (1-800-895-2993) and we’ll let you know. We’ll also help guide you through the best next steps you can take to help resolve the problems you now have.

We are currently helping thousands of hurricane victims with their property damage claims problems. And if you are having problems we can help you too. You may be due many thousands more than your insurance company is offering because your damages have been unfairly estimated. We can help you get all the money you deserve.