Blog by Michael Bowman

How actual cash value, depreciation holdbacks, and repair deadlines work in Texas home policies, who proves the loss, and whether labor can be depreciated.

What it takes to become a Texas public adjuster (exam, bond, CE, fee rules) versus what the job demands, and a reasoned case for higher standards.

Texas contractors can estimate, document, and testify on insurance claims, but cannot act as public adjusters or waive deductibles. See where the lines are.

What does “marring” mean in a Texas homeowners policy? How Texas courts read undefined exclusions, who bears the burden of proof, and what to do after a denial.

A Texas lawyer from a working-class background on why so many people distrust lawyers, and why communication and respect should be the baseline.