Category Archives: Ask Regina

Ask Regina

Q. With the Equifax breach, many of our insureds are freezing their credit as is being suggested. Since insurance companies rely on credit reports, how will this work if the insured freezes their credit? A. According to the FTC, a credit … Continue reading

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Ask Regina Hurricane Harvey Edition

Frequent Technical Questions We’ve Been Getting from Agents Q. For our insured’s who have flooded autos, is there any loss of use coverage under comprehensive coverage on their PAP?  A.  The PAP provides Transportation Expenses, but the Texas TDI PAP … Continue reading

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Ask Regina

Q. Our insured received a letter from NCCI informing the insured that they want to verify classification codes on my insured’s workers’ compensation policy by conducting a physical inspection of their business operation. Is this something new? A. According to … Continue reading

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Ask Regina

Q. We have an insured who is self-insuring workers’ compensation and paying all their employees claims, but they are not approved by the Texas Department of Insurance as a Certified Self-Insurer. Are there any penalties for not being a Certified … Continue reading

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Ask Regina

Q. We recently have had mortgage companies requiring the full loan amount for insurance coverage that exceeds the replacement cost of the dwelling. Aren’t they prohibited from doing that? A. Yes, the Texas Insurance Code Chapter 549, Sec. 549.0551 states” … Continue reading

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Ask Regina

Q. We have an insured that will be sending employees overseas to work on a military base and the base is requiring Defense Base Act Insurance. What is it and how do we provide the coverage? A. Defense Base Act … Continue reading

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Ask Regina

Q. Our corporate agency has added new officers. Is there anything that we need to send to the Texas Department of Insurance in regard to our corporate license? A. Yes, a partnership, corporation or LLC must notify TDI using the required … Continue reading

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Ask Regina

Q. Our insured had a wind and hail claim earlier this spring with partial damage to their roof and the insurance company wants to just repair the damaged portions instead of replacing the roof. Our insured is not happy about … Continue reading

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Ask Regina

Q. A vehicle ran into our insured’s fence knocking down a portion of the fence and completely destroying another portion. The at-fault party’s insurance does not want to pay full replacement cost, is that correct? A. Generally, Texas courts value … Continue reading

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Ask Regina

Q. We recently had an insurance carrier exclude windstorm by adding BP 01 20 to a BOP policy and CP 10 57 to a commercial package policy and both policies were for locations not on the Texas coast.  Can the … Continue reading

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