Claim guides
Fig. 01 · Claim guides
Claim guides for Texas policyholders
Plain explanations of the letters, denials and gaps that property claims run into. General information, not legal advice.
All claim guides
- Policy letters · 7 min read
You Received a Reservation of Rights Letter. What Now?
It is not a denial, and it is not nothing. It means the insurer is investigating while reserving the right to deny later, and how you respond matters.
- Hail and roofs · 7 min read
Roof Claim Denied for Wear and Tear? Here Is How to Answer It
A wear and tear denial is the insurer's opinion of the roof. Here is how that opinion can be checked against measurements of each slope.
- Fire and smoke · 8 min read
Smoke Damage in Rooms That Did Not Burn
The flames stopped at the hallway. The smoke may not have. Smoke can reach rooms the fire never touched, and it can be tested for.
This site is informational and is not legal advice or a guarantee of any claim outcome.