Blog by Michael Bowman

A fictional closing argument testing how Texas Penal Code party-liability rules might apply to unlicensed public adjusting under Insurance Code Chapter 4102.

Missed the deadline to answer a Texas lawsuit? Learn how default judgments work and the options that may remain: new trial, restricted appeal, bill of review.

Force-placed insurance creates a common misunderstanding in Texas property claims.

The homeowner owns the house. The homeowner may be charged for the premium. The homeowner may be the person living with the unrepaired damage. But that does not mean the homeowner has standing to sue under the insuranc...

Repeated golf ball strikes on a Texas roof: is it one loss with one deductible, or many? What policy language, case law, and carriers say, and steps to take.

How Texas insurers use wear-and-tear exclusions to deny property claims, how courts read those exclusions, and how policyholders can respond with evidence.