Tag Archives: Javier Delgado

Waiver and Estoppel – Insurance Companies Must Assert Their Applicable Exclusion or Limitation When the Insured Makes the Claim

(Note: This Guest Blog is by Javier Delgado, an attorney with Merlin Law Group in the Houston, Texas, office. This is the eighth in a series he and fellow attorney Tina Nicholson will be writing on Texas property insurance issues). Often times, an insurance adjuster fails to properly investigate the damages to the insured risk … Continue Reading

Preparation For TWIA Depositions Are Underway

A recent order from Galveston County regarding the TWIA litigation specifically names the TWIA representatives who will be deposed and the manner in which the depositions will take place. Suffice it to say that it is no easy challenge preparing for these depositions (see attached order). As members of the Plaintiff’s Ike committee, the members … Continue Reading

Texas Windstorm Insurance Network Symposium Set May 11 in Dallas

Texas is where "the game" is being played regarding insurance coverage disputes in 2010. The Windstorm Insurance Network will hold its second Texas Insurance Symposium on May 11, 2010, in Dallas, Texas, where many of the issues related to windstorm coverage will be discussed. Certainly, the coverage issues raised by Hurricane Ike litigation will be highlighted.… Continue Reading

The Art of Adjusting First Party Property Losses – Part 3, Inspections and Re-inspections

(Note: This Guest Blog is by Javier Delgado, an attorney with Merlin Law Group in the Houston, Texas, office. This is the eighth in a series he and fellow attorney Tina Nicholson will be writing on Texas property insurance issues). The ideal inspection process would have both the carrier’s adjuster and the public adjuster respect … Continue Reading

The Art of Adjusting First Party Property Losses – What Public Adjusters Should Know About Their Adversary and the Real World Results of the Public Adjuster’s Claim Handling Decisions

Yesterday, Michelle Claverol and I had the honor and privilege to speak before a large crowd of public adjusters at the Florida Association of Public Insurance Adjusters (FAPIA) Winter Conference. As Michelle and I were preparing for the presentation, "Tales From the Dark Side," it occurred to me...… Continue Reading

Current Status of TWIA Discovery for Hurricane Ike Claims in Galveston County

(Note: This Guest Blog is by Javier Delgado, an attorney with Merlin Law Group in the Houston, Texas, office. This is the first in a series he and fellow attorney Tina Nicholson will be writing on Texas property insurance issues). “WHAT DO YOU MEAN YOU CAN’T TELL ME EVERYTHING THAT YOU HAVE LEARNED ABOUT TWIA?” … Continue Reading

Overhead and Profit Ike Cases in Class Action Status and Gaining Media Attention

Houston Chronicle reporter, Purva Patel, filed an article, "They Want ‘Profits’ of Ike," noting that Hurricane Ike policyholders who have wrongfully been denied payments for expected costs of general contractor overhead and profit are bringing their actions in class action lawsuits. Our law firm has filed some of these cases with Javier Delgado taking the … Continue Reading

Protecting the Blown-Away Hurricane Dolly and Ike Policyholders: Discussions of Texas Hurricane Insurance Claims Practices

If you want to find a bunch of irate policyholders with plenty of stories to tell, hang out with Tina Nicholson and Javier Delgado in our Houston office. Commercial and residential policyholders have had enough frustration trying to do it themselves and are seeking legal counsel to fight the delays and denials from their insurance carriers. … Continue Reading

March 10th Hurricane Ike National Flood Insurance Deadline Approaches

(IMPORTANT UPDATE TO THIS POST:  On February 20, 2009, the NFIP Administrator issued an additional 90-day extension to file proofs of loss for Hurricane Ike and Gustav.) Javier Delgado, in our Houston office, called to tell me he had just been retained on several flood insurance claims. I was apprehensive because I know there is a National Flood … Continue Reading
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