Property Damage from Harvey? Why you Should File a Claim by Sept. 1


The impact of Hurricane Harvey has been devastating to Houston and other parts of Texas. As we deal with the impact of the storm, we need to keep in mind our rights as property owners.

There is a new law that takes effect this week of which most people are completely unaware.

If you have property damage to your home or business – including from Hurricane Harvey – and you need to make a claim with your insurance company, take action BEFORE this Friday, September 1, 2017.

Why? As you know, the Texas legislature meets every two years. They met this year and passed House Bill 1774 which impacts the rights and remedies available to property owners under the Texas Insurance Code. This new law specifically applies to property damage claims involving “forces of nature” – such as floods, tornados, hurricanes, hail, wind, rainstorms, and wildfires. This new law takes effect this Friday, September 1, 2017.

To fall under the current laws which are more favorable to consumers and property owners, policyholders should send notice in writing to their insurance company that (1) specifically references their claim, AND (2) is dated BEFORE September 1, 2017.

Telephone calls are not enough. Put it in writing – mail, fax, or email. And, keep a copy of what you send.

To view the new law click here.

The information in this column is not intended as legal advice, but to provide a general understanding of the law. Readers with legal issues, including those whose questions are addressed here, should consult attorneys for advice on their particular circumstances.

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