The Herald Banner, Greenville, TX

Opinion

December 4, 2012

Defining probation testimony by witnesses

(Continued)

GREENVILLE — The pipes under my slab house began leaking last year and caused swelling of the soil that ruined my foundation. In parts of my house, the foundation moved so much that windows broke and bricks fell off! I had been paying extra for foundation coverage, but [the insurance company] is telling me they are going to fix the leaks first, then wait for six months to a year to see if the swollen soil contracts enough to avoid foundation repair. Can I sue them now to force them to pay for the foundation repair? — Anonymous, Greenville

Possibly, but you must follow all steps required by your policy and the Texas Department of Insurance. If you have a complaint about the way your insurance company is addressing the issue, you should first look online or on policy paperwork to find the company’s complaint hotline. That should be your first step if you believe covered claims have been improperly denied.

If you are not satisfied with the insurance company’s final answer, you should file a complaint with the Texas Department of Insurance (online at www.tdi.texas.gov). That agency will review, send you an acknowledgment letter, and ask the insurance company for a detailed response. The Department of Insurance will review the coverage terms in your policy, and determine whether the insurance company violated the policy by refusing to pay a covered claim.  This process takes about two months.

If you are not satisfied by the Department of Insurance review or outcome, you can speak with an attorney about filing a lawsuit. Whether a suit is a good idea will depend on the exact wording of your policy and your specific circumstances.

If you have a brief legal question on any topic, please forward it to Daniel@smrt-law.com.

Daniel Ray is a Greenville, Texas attorney licensed in all Texas courts.  His firm, Scott, Money, Ray & Thomas, PLLC, represents the City of Greenville, Hunt County, and many other public and private North Texas entities.  His practice emphasis is civil litigation, wills and trusts and real estate.

This article is intended for entertainment and educational purposes as well as to give the reader general information and a general understanding of the law, not to provide specific legal advice.

 By reading this article you agree that you understand that there is no attorney-client relationship between you and the author or publisher.  The article should not be used as a substitute for competent legal advice from a licensed professional attorney in your area.

Text Only
Opinion
  • School supplies, football signs of end of summer

    It is not here yet, but there are two landmarks on the horizon which traditionally indicate the end of summer is approaching.

    July 27, 2014

  • This is ... summer?

    Just sitting here, wondering what season this is again ...
    — Seriously, this is summer? In Texas?

    July 20, 2014

  • Why no to YMCA?

    Sometimes the lack of news can be just as disturbing as the daily barrage of bad news.

    July 5, 2014

  • Service members deserve our thanks

    More than two million active and reserve military personnel serve in the United States Military across the world: from just down the road in Fort Worth to the Forward Operating Base Jackson in the Helmand Province of Afghanistan, U.S. men and women endure harsh conditions, potentially fatal missions, rigorous training and heart-aching separation.

    July 5, 2014

  • Texas should not have to face surge alone

    Texas political leaders recently announced an increase in funding and personnel to secure the Texas-Mexico border.

    June 27, 2014

  • Closer to Cliff than Homer on any Father’s Day

    It is Father’s Day, the one day a year when sons and daughters (hopefully) remember to thank Dear Old Dad for all he has meant to them over the years.

    June 15, 2014

  • Lives depend on how we drive

    Local roads and highways have been the scene of six motor vehicle accident fatalities over the past week.

    June 11, 2014

  • Summer’s here, ready or not

    Too late, summer’s here ...
    — The occupants of the Kellar Estate once again find themselves preparing for the annual onslaught of heat and humidity which is summer in Texas.

    June 8, 2014

  • YMCA 'ball' now in city's court

    The YMCA/event center project is now back on track, thanks to a $1 million pledge from L-3 Mission Integration. It has been more than a year since Greenville voters approved a $15 million bond to build to new Y.

    June 1, 2014

  • In just a flash, she's turned 15

    Shaking my head in disbelief once again ...
    Jaylynn is 15.
    Let that sink in for a minute.

    May 25, 2014

Featured Ads
Promotions
Poll

Does Dallas head coach Jason Garrett need for the Cowboys to make the playoffs during the 2014 football season to keep his job?

Yes
No
Who knows with Jerry Jones as owner?
     View Results
Facebook
Must Read
Photos


See more photos and purchase prints here.

AP Video
US Ready to Slap New Sanctions on Russia Kerry: Not Worried About Israeli Criticism Boater Rescued From Edge of Kentucky Dam Girl Struck by Plane on Florida Beach Dies Rodents Rampant in Gardens Around Louvre House to Vote on Slimmed-down Bill for Border Looming Demand Could Undercut Flight Safety Raw: 2 Shells Hit Fuel Tank at Gaza Power Plant Raw: Massive Explosions From Airstrikes in Gaza Giant Ketchup Bottle Water Tower Up for Sale Easier Nuclear Construction Promises Fall Short Kerry: Humanitarian Cease-fire Efforts Continue Raw: Corruption Trial Begins for Former Va Gov. The Carbon Trap: US Exports Global Warming Traditional African Dishes Teach Healthy Eating
Hyperlocal Search
Premier Guide
Find a business

Walking Fingers
Maps, Menus, Store hours, Coupons, and more...
Premier Guide