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May 7, 2019
Title: New Bill to Protect Your Rights
Topic: Deny, Delay, and Underpay!
Discussed by Ware Wendell
with Texas Watch (www.TexasWatch.org)
Insurers are destroying lives by denying and delaying legitimate claims.
HB1739 would
restore your rights, forcing your insurance company to fulfill the agreement
they made with you when you signed your insurance policy.
Ware Wendell is the Executive Director of Texas Watch. He is dedicated to giving
a voice to the need for public safety and full accountability through our civil
justice system.
Questions/Issues Discussed:
Do insurance companies use delaying tactics to intentionally slow the payment of
claims?
Is corporate responsibility just as important as personal responsibility?
Would Texas HB1739 restore rights of those insured?
Does HB1739 have strong bipartisan support?
Call your Representative today to urge a “for favor” vote on HB1739. The Austin
Capital Switchboard phone number is: 512.463.4630.
You can also call Representative Walter Thomas “Four” Price, head of the
calendar committee, at 512.463.0470 and urge him to push this bill through
quickly for a vote.
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August 29, 2018
Title: Deny, Delay, and Underpay
Topic: Deny, Delay, and Underpay!
Discussed by Eric Dick
with Eric Dick Law Firm (www.dicklawfirm.com)
Part 1 of 3
Please do not construe any statement made during this interview as legal advice. Always consult your attorney for advice on this and other legal matters.
Disasters hit us hard and often unexpectedly. Most people are unprepared, both emotionally and financially.
Eric will be discussing how to prepare your family (including your children) before a disaster strikes and what to do after it happens. Eric is an attorney who helps average citizens fight big insurance companies.
Questions/Issues Discussed:
What should teenagers know about driving in bad weather, especially flood waters?
How can people plan ahead when they know flooding will occur in their area?
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Title: Part 2 of 3 - Deny, Delay, and Underpay
Topic: Deny, Delay, and Underpay!
Discussed by Eric Dick
with Eric Dick Law Firm (www.dicklawfirm.com)
Please do not construe any statement made during this interview as legal advice. Always consult your attorney for advice on this and other legal matters.
Questions/Issues Discussed:
How do you document the value of your home and the items within?
What does Eric recommend if disaster strikes in regards to communication
with insurance companies?
Should homeowners always – always – read the fine print on their insurance
contract?
What questions should homeowners ask their insurance agent concerning their
contract and what is covered and what isn’t covered?
What is a “ACV” policy? What is a “RCV” policy? Which one is better?
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Title: Part 3 of 3 - Deny, Delay, and Underpay
Topic: Deny, Delay, and Underpay!
Discussed by Eric Dick
with Eric Dick Law Firm (www.dicklawfirm.com)
Please do not construe any statement made during this interview as legal advice. Always consult your attorney for advice on this and other legal matters.
Questions/Issues Discussed:
What if the insurance company tells a homeowner that the damage/repairs isn’t
covered in their policy?
What if the insurance company offers a settlement that is far below what the
homeowner is actually owed?
Is the Texas Legislature a friend or foe of the homeowner?
If you have questions concerning this interview, contact Eric
here.
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September 6, 2017
Title: Watch Out for the Insurance Adjusters!
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)
Texas flood victims beware! Not only do you need to be
careful of scammers during this difficult time, you need to be extra cautious
about your own home, business, and car insurance company representative. Yes, as
crazy as it sounds, they are NOT in business to help you, but to help
themselves!
Alex Winslow, with Texas Watch, has some advice for every desperate
home, business, and car owner today.
Questions/Issues Discussed:
Is rising water and falling water the same? Are they both covered under “normal”
home or business insurance?
Why should people document everything?
Is having a timeline of events, phone calls, home visits, etc important?
Why do insurance adjusters deny, delay, and underpay?
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April 28, 2016
Title: What to do After the Flood?
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)
Texas flood victims beware! Not only do you need to be careful of scammers
during this difficult time, you need to be extra cautious about your own home
and car insurance company representative. Yes, as crazy as it sounds, they are
NOT in business to help you, but to help THEMSELVES!
Alex Winslow, with Texas Watch, explains that there is a major difference
“falling water” and “rising water”. Years ago, individual home insurance
companies stopped covering damage due to “rising water” (aka flood water) but
not “falling water”. “That’s why it is so important that folks who live in
flood-prone areas buy a supplemental flood insurance policy,” Alex states.
If you have any type of damage, Alex suggests documenting ALL expenses,
including hotel and food costs – even how much you spend at the laundromat to
wash your clothes! “In addition, you want to keep a record of all your
interactions with your insurance company,” Alex says. He recommends keeping a
notebook with all the phone calls you’ve made and who you talked with, keep all
email correspondence, and record when the adjuster comes to view the damaged
property. Listen in as he gives more advice on this.
Another thing to remember is that there are timelines that must be followed – by
you and the insurance company. “Most insurance claims are handled promptly and
fairly and everybody’s happy at the end of the day,” Alex says. “But there is a
significant rise in the number of claims where people aren’t being treated
properly.”
Don’t let anyone take advantage of your vulnerability. Your insurance company
will do everything in their power to delay, delay, delay your claim. Don’t let
them do that! A great tragedy has occurred in your life and you deserve to be
treated fairly, with dignity and respect. If you feel as if you are being
treated poorly, do not hesitate to hire a licensed public adjuster or lawyer who
specializes in insurance claims disputes.
Know the facts now. Even if your insurance company isn’t trying to delay
payment, they will attempt to underpay you. “We see this way too often,” Alex
says. “This is a tactic insurance company’s use, because it is put in writing.”
Plus, the insurance company knows that the longer they low-ball you as you fight
back, the longer they can delay paying you what you deserve!
Share this segment with your contact list, especially those who have had damage.
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April 22, 2016
Title: What to do After the Flood?
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)
Texas flood victims beware! Not only do you need to be careful of scammers
during this difficult time, you need to be extra cautious about your own home
and car insurance company representative. Yes, as crazy as it sounds, they are
NOT in business to help you, but to help THEMSELVES!
Alex Winslow, with Texas Watch, explains that there is a major difference
“falling water” and “rising water”. Years ago, individual home insurance
companies stopped covering damage due to “rising water” (aka flood water) but
not “falling water”. “That’s why it is so important that folks who live in
flood-prone areas buy a supplemental flood insurance policy,” Alex states.
If you have any type of damage, Alex suggests documenting ALL expenses,
including hotel and food costs – even how much you spend at the laundromat to
wash your clothes! “In addition, you want to keep a record of all your
interactions with your insurance company,” Alex says. He recommends keeping a
notebook with all the phone calls you’ve made and who you talked with, keep all
email correspondence, and record when the adjuster comes to view the damaged
property. Listen in as he gives more advice on this.
Another thing to remember is that there are timelines that must be followed – by
you and the insurance company. “Most insurance claims are handled promptly and
fairly and everybody’s happy at the end of the day,” Alex says. “But there is a
significant rise in the number of claims where people aren’t being treated
properly.”
Don’t let anyone take advantage of your vulnerability. Your insurance company
will do everything in their power to delay, delay, delay your claim. Don’t let
them do that! A great tragedy has occurred in your life and you deserve to be
treated fairly, with dignity and respect. If you feel as if you are being
treated poorly, do not hesitate to hire a licensed public adjuster or lawyer who
specializes in insurance claims disputes.
Know the facts now. Even if your insurance company isn’t trying to delay
payment, they will attempt to underpay you. “We see this way too often,” Alex
says. “This is a tactic insurance company’s use, because it is put in writing.”
Plus, the insurance company knows that the longer they low-ball you as you fight
back, the longer they can delay paying you what you deserve!
Share this segment with your contact list, especially those who have had damage.
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April 23, 2009
Title: WAYS TO DENY, DELAY, AND UNDERPAY Part 4 of 6
Topic: Deny, Delay, and Underpay!
Discussed by Phillip Sanov
with Lanier Law Firm (www.LanierLawFirm.com)
If you missed the interview with Phillip Sanov from yesterday’s program, click on the “Archives” link above. In this segment, Attorney Phillip Sanov gives tips on how to find the right attorney for your specific needs, should a disaster strike your home. Log on to www.LanierLawFirm.com to contact Phillip or call 713.659.5200.
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Title: WAYS TO DENY, DELAY, AND UNDERPAY Part 5 of 6
Topic: Deny, Delay, and Underpay!
Discussed by Phillip Sanov
with Lanier Law Firm (www.LanierLawFirm.com)
How long does it usually take to settle an insurance claim for your home? Are attorney fees usually covered in the settlement? Is there a time limit on how long you can wait to file a claim? Call attorney Phillip Sanov, with The Lanier Law Firm, at 713.659.5200 or log on to www.LanierLawFirm.com
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Title: WAYS TO DENY, DELAY, AND UNDERPAY Part 6 of 6
Topic: Deny, Delay, and Underpay!
Discussed by Phillip Sanov
with Lanier Law Firm (www.LanierLawFirm.com)
Attorney Phillip Sanov gives tips on how to prepare an inventory of your valuables before a natural disaster strikes. For a free consultation with Phillip Sanov at The Lanier Law Firm, call 713.659.5200 or log on to www.LanierLawFirm.com
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April 22, 2009
Title: WAYS TO DENY, DELAY, AND UNDERPAY Part 1 of 6
Topic: Deny, Delay, and Underpay!
Discussed by Phillip Sanov
with Lanier Law Firm (www.LanierLawFirm.com)
Homeowners are viewed as cheats when they file a claim for damages done to their home, whether by natural disaster, fire, or burglary. Insurance companies know that homeowners are desperate for relief and normalcy, so they will do everything in their power to deny, delay, and underpay. How do they get away with it? Guest Phillip Sanov is an attorney with The Lanier Law Firm. Log on to www.LanierLawFirm.com to contact Phillip or call 713.659.5200.
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Title: WAYS TO DENY, DELAY, AND UNDERPAY Part 2 of 6
Topic: Deny, Delay, and Underpay!
Discussed by Phillip Sanov
with Lanier Law Firm (www.LanierLawFirm.com)
If disaster strikes your home, don’t sign anything! Insurance adjusters will offer you a check on the spot and ask you to sign paperwork saying you received the money. But - don’t sign! Oftentimes, you are signing away any chance of recovering the total amount due to you. Call attorney Phillip Sanov, with The Lanier Law Firm, at 713.659.5200 or log on to www.LanierLawFirm.com
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Title: WAYS TO DENY, DELAY, AND UNDERPAY Part 3 of 6
Topic: Deny, Delay, and Underpay!
Discussed by Phillip Sanov
with Lanier Law Firm (www.LanierLawFirm.com)
What if you have already received a small check from your insurance company and signed on the dotted line? Is there anything you can do? For a free consultation with Phillip Sanov at The Lanier Law Firm, call 713.659.5200 or log on to www.LanierLawFirm.com
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April 21, 2009
Title: INSURANCE COMPANIES TELL THEIR ADJUSTERS TO DENY, DELAY, AND UNDERPAY! Part 1 of 3
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)
It’s true! Log on to www.texaswatch.org for more information on the McKenzie Reports and how insurance companies are instructing their adjusters to cheat you!
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Title: INSURANCE COMPANIES TELL THEIR ADJUSTERS TO DENY, DELAY, AND UNDERPAY! Part 2 of 3
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)
How should homeowners protect themselves after a natural disaster such as a hurricane or tornado? Alex Winslow, with Texas Watch, urges all homeowners to read the fine print. If you don’t understand what you are signing, take the documents to an attorney, or call Texas Watch @ 512.381.1111 or log on to www.texaswatch.org
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Title: INSURANCE COMPANIES TELL THEIR ADJUSTERS TO DENY, DELAY, AND UNDERPAY! Part 3 of 3
Topic: Deny, Delay, and Underpay!
Discussed by Alex Winslow
with Texas Watch (www.TexasWatch.org)
Don’t wait until Hurricane season to take inventory of your valuables. Anything can happen at anytime. If you do not have pictures, receipts, or any kind of documented proof of your valuables, the insurance company is less likely to give you what they are worth. Also, store the information in a safe place, such as a safe deposit box, or with a friend or relative. Log on to www.texaswatch.org for more information on how to protect yourself from sneaky insurance adjusters.
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