Tuesday, August 29, 2017

URGENT: Here’s Why You Should File a Hurricane Harvey Insurance Claim Before Friday

Update to this message:  The following information should be distributed : 

Unfortunately, there is a lot of misinformation about HB 1774 which made important changes with regard to claims made on property casualty insurance companies for weather related damage.   The bill is effective September 1, 2017.  The bill does not apply to FEMA, a federal insurance program that provides  flood damage coverage.  The bill does apply to other insurance companies providing property casualty coverage weather related damage claims.   If you have experienced property damage and are planning to file a claim, you  file notice of claim as soon as possible and by Friday, September 1, 2017  to proceed under current law.  For more information, contact me or your attorney.  Thank you. 

Gloria Leal 
Attorney at Law & Consultant 
3600C Las Colinas 
Austin, Texas 78731 
(512) 426-1568
"...because of uncertainty in the new law, the trial lawyers association is urging everyone to be safe rather than sorry, and file a notice with their insurance carrier before Friday."

Here’s Why You Should File a Hurricane Harvey Insurance Claim Before Friday

A new insurance law taking effect lowers the penalty on insurance companies for slow storm damage payments.

A Jetski is used to help people evacuate homes after the area was inundated with flooding from Hurricane Harvey on August 27, 2017 in Houston. Harvey, which made landfall north of Corpus Christi late Friday evening, is expected to dump upwards to 40 inches of rain in Texas over the next couple of days. 

Editor’s note: This story has been updated for clarity.

If your home or business has damage from Hurricane Harvey, you should notify your insurance company—in writing—that you intend to file a claim before a new law takes effect on Friday, according to the Texas Trial Lawyers Association. Even though the hurricane occurred before the law took effect, a claim filed on Friday or after will likely be covered by a new law that seeks to reduce frivolous insurance lawsuits.

On Friday, the penalty for an insurance company that doesn’t promptly pay a claim as a result of a lawsuit will be determined by a market-based formula that is currently at 10 percent. The former penalty was 18 percent. The new law also gives lawsuit immunity to insurance adjusters who low-ball a claim.

Texas property owners should be aware that House Bill 1774, passed by the 85th Texas Legislature, will change the law regarding how legal actions for certain insurance claims are handled, including some claims for property damages or losses caused by natural disasters. If you need to make an insurance claim related to Hurricane Harvey, you should study how the law may affect you. Claims made before September 1, 2017, will be subject to current law; those filed on or after September 1 will fall under the new law.

Texas Trial Lawyers Association spokesman Alex Winslow said the notice of a claim can be filed directly on an insurance company’s web site, by fax or certified mail, but it is best done in writing and with the policy holder retaining a copy of the filing. Winslow said the claim does not need to say anything more than that the policy holder suffered damage from Hurricane Harvey and intends to file a claim. The notice should contain the name and contact information of the policy holder and, if possible, the insurance policy number.

Winslow said the new law may not affect federal flood insurance or windstorm policies held on the coast by the Texas Windstorm Insurance Association, a state-run consortium that provides hurricane coverage on the immediate coast. But Winslow said that because of uncertainty in the new law, the trial lawyers association is urging everyone to be safe rather than sorry, and file a notice with their insurance carrier before Friday.

Still, this new law won’t affect the bulk of policy holders. As the Texas Tribune notes, most homeowners’ policies don’t cover flooding in Texas. And the ones that do are usually through National Flood Insurance Program, which is not subject to state regulations.

1 comment:

  1. Anonymous4:08 AM

    Hurricane Harvey (2017) was DELIBERATE.

    Check out this link to NATURE / Hurricane weather warfare reference material:

    Ted Owens Space Intelligences contact could accurately predict the EXACT circumstances of Hurricanes impacting on Yewess coastlines from 1960's to 1980's.

    The correlation with Hurricane Harvey and the terrorist bombardment of Rakka is right there :

    In August 2017 the New$ World Order was attacking Rakka in Syria with one terrorist missile bomb artillery shell every 8 minutes for the month of August (total about 6000 terrorist attacks).

    Intensity of Coalition’s Raqqa bombardment greater than for all of Afghanistan, official data shows

    So NATURE/Intelligences reacted created and directed Hurricane Harvey to visit Yewston, on Gulf of Mexico and in Yewess state of Texass, where their favorite battle cry seems to be

    "Praise the Lord and Pass the Am Yew Nition"

    The Yew Knighted States Government actively covers up the ENTIRE SUBJECT about Intelligences and correlations between Yewman warfare and responses by NATURE / ALLAH ALMIGHTY GOD to deviate destructive DANGEROUS Yewmanism... Fascism... Racism.

    Example of Law Enforcement by Nature:

    In September 1973, an Intelligence, i.e. a Space Intelligence, sent telepathic VISIONS that depicted

    1. a cockpit view of the 911 Pentagon swoop and crash
    2. the Chernobyl nuclear disaster
    3. the space shuttle Challenger explosion

    Just do a web search for

    "Black Pearl 911 in 973"

    (11 September 1973 : the same day when the New$ World Order installed $talin Augusto Pinochet as dictator supreme over Chile.

    Reported this to Linda Moulton Howe of UFO X Files fame.

    Linda responded that she had heard similar from other UFO contacts.

    Yewman War Criminals are opposed by UFO's / Nature / Intelligences.


    Under $urveillance/Intimidation by
    Ki$$inger / Khazar / KGB (KKK)

    the past 45 years for

    Pro Peace Anti War
    Pro Environment Anti Nuclear

    sentiments and activities.

    Law of the Boomerang :
    "What Goes Around Comes Around..."
    i.e. KARMA

    P.S. The 1950 Movie "Harvey" featuring James Stewart is a perfect analogy. HARVEY is REAL. Ted Owens was evicted from Texass in the 1960's for practicing Faith Healing. NOt a very wise choice. SI's have far greater power and influence than any Yewman.