{"id":12122,"date":"2020-11-15T07:03:05","date_gmt":"2020-11-15T13:03:05","guid":{"rendered":"https:\/\/legaltalktexas.hammerle.com\/?p=12122"},"modified":"2025-06-18T17:12:59","modified_gmt":"2025-06-18T22:12:59","slug":"earth-wind-and-fire-when-disaster-hits-head-for-the-insurance","status":"publish","type":"post","link":"https:\/\/hammerle.com\/legaltalk\/legal-talk\/earth-wind-and-fire-when-disaster-hits-head-for-the-insurance\/","title":{"rendered":"Earth, Wind and Fire When Disaster Hits, Head for the Insurance"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you live in Texas then you know that a bright sunny sky can shift to a blinding hailstorm in a matter of minutes.\u00a0 Tornados?\u00a0 Earthquakes? \u00a0 Wind storms?\u00a0 Texans know these can, and do, pop up with alarming regularity.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That is why most sane Texans carry property insurance.\u00a0 That is also why insurance-toting Texans need to know about\u00a0 the Texas Prompt Payment of Claims Act.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The TPPCA may well be your biggest hammer against an insurance company.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under the TPPCA, an insurance company is required to promptly pay legitimate claims.\u00a0 The Act imposes some stringent deadlines.\u00a0 Think of them as 15-15-5.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Within 15 days after the insurance company receives your claim, it must\u00a0 acknowledge receipt, begin its investigation, and request from you the items, statement and forms which it reasonably\u00a0 believes it will require.\u00a0 It does have a right to request additional information if it believes that information is also reasonably required to evaluate your claim.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once it has received all of the requested information from you, the insurance company has 15 days to notify you that it is accepting or rejecting your claim.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0If the insurance company rejects your claim, then it has to state its reasons.\u00a0 If it accepts your claim, then it has to pay you within 5 business days after the notice.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What if it doesn\u2019t not meet these deadlines?\u00a0 The statute has an enforcement part.\u00a0 If the insurer delays payment of the claim for more than the \u201capplicable statutory period\u201d or 60 days, then it is liable to you for the amount of the claim, 18% annual interest on that amount, and attorney\u2019s fees.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To recover, all the insured has to do is to prove that the insurance company was liable for the claim and that the insurer failed to comply with at least one section of the statute in processing or paying the claim.\u00a0\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Not surprisingly, the TPPCA is not a favorite among insurance companies.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What if the wrong \u201cdone you\u201d by the insurance company does not fit within the TPPCA box?\u00a0 Never fear, there are one or two additional remedies at your disposal.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the insurer rejects a claim in bad faith, you may be able to sue under Chapter 541 of the Insurance Code for \u201can unfair or deceptive act or practice in the business of insurance.\u201d\u00a0 You could have a claim for the insurer\u2019s failure to conduct a reasonable investigation, its wrongful denial of a claim, or its failure to resolve a claim in good faith.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You could also sue for a simple breach of contract.\u00a0 An insurance policy is, at its most basic, a contract between you and the insurance company. \u00a0 If the insurance company violates its contractual obligations, then you can sue it under the contract.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What steps should you take to preserve a claim?\u00a0 Read your insurance policy.\u00a0 Gather the documents that support your claim.\u00a0 Take pictures.\u00a0 Get your own damage estimate.\u00a0 Keep an event log and a copy of all communications.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some people hire a public insurance adjuster or an attorney to help file or negotiate a claim. \u00a0 Should you?\u00a0 Consider your skillset and availability, the type and amount of damage, and the reputation of your insurance company.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Virginia Hammerle is a Texas attorney whose practice includes estate planning, guardianship and probate. Sign up for her newsletter at <\/span><\/i><a href=\"mailto:legaltalk@hammerle.com\"><span style=\"font-weight: 400;\">legaltalk@hammerle.com<\/span><\/a><i><span style=\"font-weight: 400;\">. Contact Hammerle Morris Law Firm to schedule a consultation at hammerle.com. <\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you live in Texas then you know that a bright sunny sky can shift to a blinding hailstorm in a matter of minutes.\u00a0 Tornados?\u00a0 Earthquakes? \u00a0 Wind storms?\u00a0 Texans know these can, and do, pop up with alarming regularity.\u00a0\u00a0 That is why most sane Texans carry property insurance.\u00a0 That is also why insurance-toting Texans [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":12123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[21],"tags":[1098],"class_list":{"0":"post-12122","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-legal-talk","8":"tag-legal-talk"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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