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Illegal And Prohibited Insurance Conduct

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  • They cannot put their own financial interests ahead of you, your family and your business
  • They cannot knowingly hire adversarial reviewers and investigators biased by their own financial gain or their attitudes toward Texas home and business owners
  • They cannot take shortcuts in their job by not conducting a reasonable and complete investigation of your claim
  • They cannot deny claims with no reasonable basis
  • They cannot deny claims with no reasonable investigation of your claim
  • They cannot withhold payment for repairs and damage with unreasonable, exaggerated excuses
  • They cannot change their excuses to maintain a false denial of your claim
  • They cannot knowingly add to injuries in the face of reasonable needs
  • They cannot thrown unnecessary obstacles in the way of covering a clear needs
  • They cannot deny with no records and no investigation

Generally, homeowners policies cover windstorm damage, while flood policies cover rising water and storm surge. Insurance companies may not manipulate the claims process to avoid paying for anything.