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Dragon Slayer® Property Insurance Journal

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Texas Court Says Umpires Can’t Take Back an Appraisal Award — Mallady v. HOAIC

Hunter Klein August 14, 2025

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.

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Pre-Loss Inspections: Why They Matter

John Wood July 8, 2025

Pre-loss inspections are comprehensive evaluations of your property conducted before any damage or loss occurs. These inspections document the current condition of your property as it was insured. I am sure that the exercise of thoroughly inspecting your property may sound daunting, especially if you’re unfamiliar with construction.

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Understanding the Unauthorized Practice of Public Adjusting (UPPA) in Texas

Hunter Klein March 25, 2025

In Texas, contractors involved in the repair and restoration of properties may unknowingly find themselves in violation of the insurance code provisions which specifically designate certain practices as requiring a public adjuster’s license, specifically Tex. Ins. Code § 4102. This has commonly come to be called the Unlicensed/Unauthorized Practice of Public Adjusting (UPPA).

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Four Things You Need To Know If You Are Filing A Beryl Insurance Claim

Hunter Klein July 11, 2024

If your property was damaged by Hurricane Beryl, you are likely in the process, or about to begin the process of filing an insurance claim. Many people will only experience one or two insurance claims in their lifetime, and do not know how to navigate this uncertain time. While every claim will differ somewhat, these four tips will help you begin this process, and ensure you are treated fairly by your insurance company.

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