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Mortgage Companies Failing to Pay Escrowed Premiums
Wednesday, September 20, 2017

A major storm is forecasted to hit your hometown. You secure your family, your possession and your home. Maybe you evacuate. You sleep better at night knowing you have property insurance that will cover any damage. You know you have insurance because you pay your mortgage every month, and every month a portion of your payment is escrowed to pay your property insurance. Your mortgage company requires you make these payments and requires you maintain property insurance. Your mortgage company pays your premiums with your escrowed funds, or at least they are supposed to.

Aftermath of a Natural Disaster: Lessons Learned from Katrina, Rita & Ike
Saturday, September 2, 2017

After having the unfortunate opportunity to represent clients recovering from Hurricanes Katrina, Rita and Ike, I know that the first urge is to get into homes and businesses and start ripping out waterlogged carpets, ruined furniture and start repairs. However, those with applicable homeowners, flood and business insurance will face another issue: delays in accessing their insurance money.

Hurricane Harvey: What to Know About Filing an Insurance Claim
Wednesday, August 30, 2017

First, the law DOES NOT APPLY to claims under policies of insurance issued by the Texas Windstorm Insurance Administration (TWIA - Windstorm) or Federal Emergency Act (FEMA - Flood). With that said, many policy holders in Southeast Texas have private homeowner policies (State Farm, Allstate, Farmers, etc) that may cover losses from this disaster. The law also applies to business claims for property damage, lost inventory and business interruption which are typically not written by TWIA.