In Texas, there are situations where a life insurance company may rescind a policy. This means that the life insurance company not only denies a claim, but that it asserts that the policy will not be honored. Rescission is different from cancellation. Cancellation normally arises when premiums are not paid and the coverage lapses. Insurance companies normally seek to...
The process of rebuilding following a major natural disaster involves many tricky and nuanced legal issues. We are all aware of the important role that property insurance plays in helping us rebuild. Just as important are the contractors that get the work done. Hurricane Ida has brought a large influx of out-of-state contractors into Louisiana. The plain truth is...
If you are reading this, you are probably looking for answers about how to get the insurance company to pay your Hurricaine Ida claim. We all know that major hurricanes can cause people to lose a significant amount of personal property A major loss often makes a realize how much stuff we have in our homes. It can amount to thousands of items. These...
We are pleased to announce that we have won a significant judgment on behalf of a client located in Odessa, Texas. The case was pending in the United States District Court, Western District of Texas. It originated as an interpleader action initiated by a life insurance company. The primary dispute was whether a life insurance company was obligated to...
Hurricanes cause immediate and obvious damage to homes and businesses. The combination of high winds, wind-driven rain, and flooding can result in big repair bills. That is why we have property and flood insurance. Unfortunately, many insurance claims are severely underpaid preventing property owners from properly restoring the homes and businesses. Even worse, most policyholders do not fight back...
Hurricane Laura caused widespread damage to Southwest Louisiana. When the time came for insurance companies to pay up, most sat on the sidelines and refused to play their part in helping Louisiana rebuild. Johns Law Group’s attorneys have had tremendous success in helping homeowners recover the money needed to rebuild following hurricanes. Here are some of our recent results...
If your property needs repairs following Hurricane Ida, you likely face a long and potentially expensive road ahead of you. Considering the strength of this particular storm, you could require major repairs before your home is even livable again. There are a number of legitimate, quality contractors to choose from. Unfortunately, there are also a variety of opportunists and...
In this year’s legislative session, the Louisiana Legislature passed some meaningful changes to La. R.S. 22:1892, which governs claim handling practices in Louisiana. The law came into effect on August 1, 2021, just as hurricane season began. Overall, the changes are positive and are aimed at protecting policyholders. Insurers Must Now Explain Depreciation The first and most significant change...
Johns Law Group is dedicated to helping South Louisianians recover from the disastrous impact of Hurricane Ida. A natural disaster can take your property and flip your world upside down. Knowing the resources available to you can make the path to recovery easier. Below is a list of resources and information needed to assist you with rebuilding following one...
For insurance and legal purposes, hurricanes are not accidents. They are dangerous wind and water events that can cause massive damages. On Thursday, August 27, 2020, Hurricane Laura made landfall and caused $14 billion in damages near southwestern Louisiana and southeastern Texas near the Gulf of Mexico. If the hurricane damaged your property, your insurance company must address your...