Dragon Slayer® Property Insurance Journal

What did your property look like before the storm?

That question can determine whether your insurance claim succeeds or fails. Texas courts require policyholders to prove and segregate covered damage from pre-existing conditions or prior storms. Without documentation of your property’s pre-loss condition, recovery can be significantly limited — or lost entirely.

In this article, we explain why proactive inspections and proper documentation are essential to protecting your claim.

Following the recent Texas freeze, many homeowners and businesses are facing water damage from frozen or burst pipes. We help policyholders navigate Texas water-damage insurance claims and offer free claim reviews to answer questions and protect your claim.

Real estate finance is evolving faster than ever, and AI is at the center of this transformation. From automating underwriting to predicting market risks, AI is reshaping how lenders, investors, and insurers make critical decisions. But with great power comes great responsibility—human oversight is essential to prevent bias, ensure transparency, and maintain ethical standards.

Learn how hurricanes, hailstorms, and other seasonal weather events influence Texas insurance law. The Texas insurance lawyers at Green, Klein, Wood & Jones explain how storms shape coverage disputes, appraisal cases, and policyholder rights across the state.

SB 458 takes effect in 2026, but TDI’s proposed rules may reshape the appraisal process in Texas insurance claims. Learn about timing, umpire issues, and qualifications before the October 6 comment deadline.

Sophisticated insureds in Texas cannot pocket replacement cost benefits without making actual repairs. Courts enforce strict policy conditions—failure to repair means recovery is limited to actual cash value.

When an insurance claim goes to appraisal, policyholders and insurers alike often wonder — once the award is signed, can anyone change it?

A recent Texas appellate decision in Mallady v. Homeowners of America Insurance Company answers that question with a clear no. Once two members of the appraisal panel sign the award, it becomes binding. The umpire cannot rescind or “fix” it unless very limited exceptions apply.

In Texas, policyholders have a powerful tool when dealing with delayed insurance claims: statutory interest penalties under the Prompt Payment of Claims Act. But what interest rate applies, and when does that clock officially start ticking?

NEVER let a property damage claim sit for two years after the Date of Loss (DOL) without consulting a lawyer. You could lose your rights—or even get sued.