Legal Question in Insurance Law in Texas

I had a recent grease fire in my home i did not have renters insurance which my lease was hand written and didnt request I needed it .at the time which i do now i paid the landlords deductible for the insurance claim fast forward 4 months later i get a subrogation letter asking for $18,000 as they say i was at fault i live in a single family home their were no fire extinguishers or working fire alarms .Is this worth pursuing with a lawyer for fighting it or filing bankruptcy as I am being harassed by the EXL the collection agency wanting the damages. before they get their lawyers involved


Asked on 10/27/15, 10:32 am

1 Answer from Attorneys
Robert Stephens Stephens & Stephens

Rule number one on insurance claims never give a statement to anyone, if you have, demand a copy of it.

Rule number two: Ask them why you owe for the damage.

Rule number three: Ask them for proof of the damage. By paying the deductible you may have already paid a part of it.

Rule number four: EXL, the collection agency is nothing but a bully. Tell them you are not at fault, but their policyholder was at fault because they did not provide fire extinguishers are working fire alarms or smoke detectors which they are required to under the statute. Tell them that you have a claim against the owner of the residence for your loss. Ask them who to contact the make your claim for your loss in your temporary living cost in your personal INJURY.

Call me, I may be able to help. 713-629-1111

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Answered on 11/04/15, 1:59 pm


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