If you live along the coastline of Louisiana, you are no stranger to hurricane season. Every year residents and business owners try and prepare for hurricane season by securing their properties and following the suggestions and guidelines of authorities. Even with the best preparations, homes and businesses can be severely…
Has your adjuster denied your claim because he said you didn’t have proper coverage? Many insurance companies deny claims on the grounds that the damage incurred is excluded under your policy. This happens often with hurricanes when an adjuster claims damage was caused by flooding, when in all actuality it…
WIND INSURANCE CLAIMS How do I know if my wind insurance company acted improperly? Under Louisiana Law, the following are unfair or deceptive acts by your insurance company: -To misrepresent the terms of the policy; -To misrepresent the benefits or advantages promised by the policy. -To misrepresent a material fact…
After Hurricane Ike, residents of Galveston and Bolivar Islands discovered they did not have the insurance their agent had told them they purchased. To recover, a claim must be brought against the agent. Defense – Coverage Not Obtainable Sometimes, the defendant in an action against an insurance agent or broker…
On April 13-16, 2010, Tom W. Thornhill participated with the other lead members of the slab committee for the multi-district litigation and class action suits against Texas Windstorm Insurance Association (“TWIA”) to depose TWIA experts on causation issues. The defense of TWIA is that the damages to the homes on…
A reality of living on the Gulf Coast is the yearly threat of hurricane season. While many bypass us, the threat of a direct hit requires property owners to plan for the future, whose plans typically involves insurance policies. Insurance companies hold an important role in society, they are the…
Rule 403 of the Federal Rules of Evidence states that “although relevant, evidence may be excluded if its probative value is substantially outweighed by the danger of unfair prejudice, confusion of the issues, or misleading the jury, or by considerations of undue delay, waste of time, or needless presentation of…