Homeowners
Insurance Expert
View Homeowners Cases below
Homeowners policies traditionally provided comprehensive personal liability coverage to insureds and for damage to their homes, including loss from fire, windstorm and theft. In recent years, coverage has been restricted and carriers are more careful in selecting policyholders. Issues leading to this scenario include adverse claims experience for such things as mold in Texas, hurricanes in Florida and other multi-billion dollar natural disasters throughout the United States.
While coverage may be comprehensive in nature, certain terms & conditions in these policies are at the center of disagreements between policyholders, agents and carriers. Among the culprits at claim time:
- Actual rebuilding cost (dwelling) or replacement cost (contents) may exceed policy limits.
- Underinsured dwellings may incur coinsurance penalties.
- Flood, earthquake, mold and other exclusions are poorly understood by policyholders.
- Current building codes may significantly increase rebuilding costs.
- Vacancy triggers impaired coverage.
- Will we have adequate Additional Living Expense after a fire?
- Home occupied by someone other than the owner.
- Are personal liability limits adequate?
We are glad you found us searching for a Homeowners Insurance Expert and welcome your call at (817) 980-4897.
Homeowners Insurance Expert Witness Cases
More Recent engagements are listed only after our Insurance Expert Designation has been disclosed to opposing counsel.
March 2010 - Engaged by defense counsel as their Agent Errors & Omissions and Homeowners Insurance expert. Case involved a fire loss to a vacant home in Dallas, TX due to grass fire started by neighbor. Attorneys David Woodward and Stacy Hoffman (214) 220-5203, Cobb Martinez & Woodward. Greene v. Farmers Insurance, et al; Cause No. 08-11723-G, 134th Judicial District Court, Dallas County , Texas.
February 2010 - Retained by defense counsel for insurance agency as Agent Errors & Omissions, Homeowners and Flood Insurance expert. Case required expertise as to the effect revised FEMA flood zone maps have on available coverage. Seale v. Lyons Insurance Agency, No.: 2007-6427, 14th Judicial District Court, Calcasieu Parish, Louisiana. Attorney David Calogero, Davidson Meaux Attorneys, (337) 237-1660.
July 2009 – Case included Agent Errors & Omissions and Insurance Bad Faith allegations by the carrier seeking to recover claim payments for a total fire loss. Engaged by counsel for MGA and carrier as their Property Insurance & Homeowners Insurance Expert. Attorneys Jeanie Tate Goodwin & Jerry Kimmitt (713) 917-0888, Legge, Farrow, Kimmitt, McGrath Attorneys; TSG Insurance & Lloyds London v. Nickes Insurance, Cause No. 2008-76081, 189th Judicial District Court of Harris County, Texas.
December 2008 – Retained by counsel for policy holder as their Property Insurance Expert. Case issues involved a multi-million dollar total fire loss to a home and entailed specific issues regarding Insurance Agent (Broker) Error & Omission, Homeowners and Builders Risk coverage. Attorneys Bill Klain & Kevin Estevez (480) 947-1911, Lang & Baker, PLC. Cantor v. Farmers Insurance, et al Case No. CV2008-053871 & CV2008-052618 in Superior Court of the State of Arizona, County of Maricopa
May 2006 - Engaged by counsel for plaintiff to assist with Agent Errors & Omissions and Homeowners claims issues in regard to Excess Flood Insurance. Attorney Peter Koeppel - Best Koeppel Attorneys (504) 598-1000. Best v. Independent Insurance Associates, Inc., Civil District Court for the Parish of Orleans, State of Louisiana; No. 05-13441, Division “H”, Docket No. 12.; Best v. Independent Insurance Associates, Inc. and Employers Reinsurance Corporation; United States District Court, Eastern District of Louisiana; No. 06-1130, Section “C”, Magistrate 5.
April 2006 - Retained by plaintiff counsel as Homeowners Insurance Expert to advise regarding Agent Errors & Omissions allegations for failure to replace Dwelling Fire Policy coverage, and claims procedures “customs and practice”. Attorney Guillermo Cronfel - The Cronfel Firm (512) 347-9600; Olga Palacios v. AIC-Sunbelt Group, Inc., et al, Cause No. 276966 in The County Court at Law No. Two (2) of Travis County, Texas..
September 2005 - Engaged by plaintiff counsel as their Homeowners Expert regarding Texas Bad Faith claims practices by plaintiff’s insurance carrier. Attorney Andy Lydick (214) 739-1355; Cause # 04:05-cv-00046 Jeri James vs. Allstate Insurance, United States District Court Eastern District of Texas Sherman Division.
Burl Daniel, CPCU, CIC, CRM | 817.980.4897 |
burl@burldaniel.com
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