Category Archives: Ask Regina

Ask Regina

Q. We have a new employee and were wondering if the personal lines license would be an alternative to the General Lines Property & Casualty License. What is a Personal Lines Property & Casualty Agent allowed to do? A. A personal lines property and … Continue reading

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Ask Regina

Q. If a certificate of insurance has been issued and later a notice of cancellation is issued for non-payment, does a notice of cancellation have to be sent to the certificate holder? A. If the policies are endorsed with the endorsements that … Continue reading

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Ask Regina

Q. We have a carrier that is making a charge on a homeowners policy for “Recoupment Fee Volunteer Rural Fire Department Assistance Program.” What is this charge? A. Section 2007.001 of the Texas Insurance Code provides for an assessment for rural … Continue reading

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Ask Regina

Q. Is there a time frame for insurance companies to respond and pay a claim? A. Yes, in regard to first-party claims, the carrier must acknowledge the claim within 15 business days (excluding Saturday, Sunday and state holidays) or within 30 … Continue reading

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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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