Happy Holidays from the Hoch Law Firm

May the spirit of the holidays bring you peace, happiness, and a renewed sense of hope.

Property Insurance Claim: Wear and Tear Exclusions

Your homeowner’s insurance coverage can help protect your property and assets against accidental damages and acts of nature. However, wear and tear often occurs naturally to a property, and such damages are not covered by the homeowner’s insurance policy. Hence, the insurance provider may not be responsible for damages to your home due to wear […]

Resolving Claims Efficiently: Time Is Money in First-Party Property Insurance

I recently had the privilege of representing the owner of a retail strip center in Austin, Texas, in a challenging first-party property insurance claim. The insurance carrier initially offered to pay only for “scarifying” the foam roof. However, after assessing the extensive damage and moisture intrusion, it was clear that a full tear-off and replacement […]

How to Make a Business Interruption Claim

Last month, I told you about Business Interruption Insurance. If you missed it, you can find the article here. Now, what would you do if you showed up to your office building or warehouse and it was damaged to the point that you could not operate your business? More than likely, you would make a […]

Happy Thanksgiving

Happy Thanksgiving — a chance to slow down and count our blessings while we enjoy time with our friends and family. We hope you have a wonderful holiday 🍂 Our office will be closed on Wednesday, Thursday and Friday.

Representing a Restaurant Owner After a Fire

Recently, a restaurant property in Dallas, temporarily vacant between tenants, suffered a devastating fire. When the owner reached out, they were preparing for an Examination Under Oath (EUO) — often a signal that the insurer suspects potential fraud. Additionally, the insurance carrier questioned whether the fire had caused a total loss. Under Section 862.053 of […]