Insurance Fraud In Texas?


Insurance fraud occurs when a claimant attempts to obtain some benefit or advantage to which they are not otherwise entitled, or when an insurer knowingly denies some benefit that is due.

False insurance claims are insurance claims filed with the intent to defraud an insurance provider. It can be a small, seemingly harmless exaggeration, or it can be a deliberate attempt to falsely claim damages. Fraudulent claims account for a significant portion of all claims received by insurers and cost billions of dollars annually. Since companies divide the costs of claims among policyholders, fraudulent insurance claims drive premium costs up. Each year, insurance fraud costs consumers an estimated $150 billion, an average of almost $700 per family in additional insurance premiums.

Insurance fraud is a crime for which everyone pays.

Types of Insurance Fraud

Types of insurance fraud are diverse and occur in all areas of insurance. Insurance crimes also range in severity, from slightly exaggerating claims to deliberately causing accidents, injuries, or damage. Fraudulent activities affect the lives of innocent people, both directly through accidental or intentional injury or damage, and indirectly as these crimes cause insurance premiums to be higher. Insurance fraud poses a significant problem, and governments and other organizations make efforts to deter such activities. According to the FBI, the most common schemes include:

  • Premium Diversion

Premium diversion is the embezzlement of insurance premiums. It is the most common type of insurance fraud. Generally, an insurance agent fails to send premiums to the underwriter and instead keeps the money for personal use.

  • Fee Churning

Fee churning is when intermediaries, or middlemen, take a commission from several different companies during a reinsurance agreement. This scam is one of the hardest for bureaus to detect because at first, each payout to the intermediary seems legitimate. It is after the funds to pay claims are extinguished that the fraud can be identified.

  • Asset Diversion

Asset diversion is unlawfully taking assets for an insurance company. This typically occurs if and when one insurance company acquires or merges with another and often involves using the acquired company assets to settle debts.

  • Workers Compensation Fraud

Workers’ compensation fraud is a crime commonly committed by both businesses and employees. As exemplified by the four men convicted of fraud in Ohio, workers compensation fraud can be committed when individual claims to be injured on the job in order to receive monetary and health benefits from the company. On the other hand, a business can claim to provide workers’ compensation insurance at a reduced cost to the employee, but instead of actually providing insurance the company will use the funds for other purposes.

Additional examples of insurance fraud include:

  • Staged auto accidents
  • Phony vehicle or property theft claims, including exaggerating the value of items that are stolen or damaged.
  • Arson of a home or business to collect an insurance settlement
  • Falsely billing for healthcare related services
  • Faking a death, or attempting to make a homicide look accidental, to collect life insurance benefits
  • Agents who charge for additional coverages without approval

How to Protect Yourself

Insurance fraud is everywhere and can be devastating to its victims. Although insurance fraud is not completely preventable, there are several measures you can take to make yourself less likely in becoming a victim.

  • Be wary of exceptionally low premiums
  • Verify that the agent and company are licensed
  • Make sure you receive your policy within a timely manner
  • Keep your insurance policy numbers secret; otherwise, insurance crooks can steal them and involve you in scams
  • Beware of unsolicited offers or offers to upgrade your coverage as well as door-to-door and telephone salesmen
  • Watch out for investments that seem too good to be true
  • Look out for cars that pull out in front of you; they may be setting you up for a staged accident

Fighting Insurance Fraud

If you know or suspect that someone has committed insurance fraud, Texas law requires you to report it within 30 days. The law protects you from any retribution or liability for reporting fraud.

If you suspect fraud or think you’ve been a victim of insurance fraud, report it to the TDI Fraud Unit. You can report fraud online or by calling TDI’s toll-free Consumer Help Line at 1-800-252-3439.

You can help fight back against insurance fraud:

Make sure the information you provide to your insurer is accurate

Become knowledgeable of fraud schemes, and be on the lookout for fraudulent acts

Report all suspected fraud crimes to the Texas Department of Insurance Fraud Unit. Call 1-888-327-8818 or e-mail TDI at

Report fraud involving Medicare, Medicaid, or drug or health care discount programs to the Texas Attorney General’s Consumer Protection Hot Line at 1-800-621-0508.

Texas Committee on Insurance Fraud

The Texas Department of Insurance’s fraud unit and the Insurance Council of Texas teamed up with local and national organizations to form a committee to fight insurance fraud. The Texas Committee on Insurance Fraud was specifically formed in 2005 to create a more effective means for prosecuting insurance fraud criminals to help reduce premiums. It is a coordinated effort by the Texas insurance industry with numerous state agencies, county agencies, and national organizations to combat insurance fraud. The goal of the Texas Committee on Insurance Fraud is to reduce fraudulent claims as a way to alleviate higher premiums for Texas consumers.

DWC Ramping Up Anti-Fraud and Fraud Prosecution Efforts

TDI’s Division of Workers’ Compensation (DWC) established a dedicated Fraud Unit in 2016. The responsibility for investigating workers’ compensation fraud was transferred from the Texas Department of Insurance to DWC. The transfer allows experienced DWC staff to better monitor and investigates fraud specific to the workers’ compensation system.

This post originally appeared first on

Additional resources

Texas Department of Insurance’s Fraud Page

National Coalition Against Insurance Fraud

FBI’s Insurance Fraud Resource Page

National Insurance Crime Bureau Resource Page



Today 4th of july largest earthquake in decades hits Southern California, measuring 6.4 magnitude

The United States Geological Survey reports a preliminary magnitude 6.4 earthquake struck southwest of Searles Valley in San Bernardino County Thursday.

The quake hit at 10:33 a.m. local time at a depth of about 5 miles.

 This is the largest by far earthquake to hit Southern California since the 1999 magnitude 7.1 Hector Mine earthquake that struck in a remote area of the Mojave Desert and caused little damage. In 1994, the 6.7 Northridge temblor struck in a highly-populated area, resulting in 57 deaths, more than 8,700 injuries and billions of dollars in damage.

Though widely felt in the Los Angeles area, today’s earthquake was centered in a remote area; the extent of damage and injuries is unknown at this time.

“The shaking was pretty low and rolling, but it was the longest earthquake I’ve felt in Los Angles in my seven years living here,” Echo Park resident Annie Powers said. “It was long enough that I definitely started to wonder if this was the big one.”

earthquake. “We are very much aware of the significant earthquake that just occurred in Southern California. Please DO NOT call 9-1-1 unless there are injuries or other dangerous conditions. Don’t call for questions please,” LAPD said in a statement.

The Los Angeles International Airport released a statement saying all runways were inspected with no reported damage to the airfield or the Sepulveda tunnel. “Operations remain normal,” it said.

The magnitude was initially reported as 6.6 by the USGS; it was later downgraded to 6.4. The quake’s epicenter was about 11 miles east northeast of Ridgecrest, about 109 miles north of San Bernardino and 121 miles northeast of Los Angeles, according to the U.S. Geological Survey.


Aftershocks continue to rattle the area after the morning’s large quake.

More information on this earthquake is available on the USGS event page.

See the latest USGS quake alerts, report feeling earthquake activity and tour interactive fault maps in SFGATE’s earthquake section.

7 Cheap and Simple Hacks to Improve Your Bathroom

7 Cheap and Simple Hacks to Improve Your Bathroom

Find easy and cheap ways to create your bathroom look and function better

Low Pressure in shower-head

Most shower-heads and faucets currently come with water-saving devices known as reducers. They’re nice for saving water (and money), however typically these models aren’t as powerful as you’d like. To get rid of the water reducer, unscrew the nozzle off its arm. Look within for the reducer; it’s sometimes a bright colour. Take away the seal that holds the reducer in situ then take away the reducer. Another reason for dangerous water pressure is difficult water which may leave mineral deposits during a nozzle and prohibit water flow. To wash a shower-head, soak it in vinegar to loosen and take away deposits. Boiling the vinegar, belongings it cool a small amount, then putting the shower-head in it’ll create it work even quicker. If your water pressure hasn’t improved, check the shut off valves (both cold and hot) for your shower to examine if they don’t seem to be open as totally as they might be.

Dingy Regulator Handles

While we’d all in all probability prefer to replace our taps, however generally the budget doesn’t permit it. Those original one-handled clear plastic regulator handles will get a small amount funky over time from H2O deposits or straightforward daily use. You’ll be able to obtain replacements at the house center for a number of bucks, or if they are in fine condition, save cash by removing them (all it takes may be a screwdriver) associated giving them a soak in vinegar and an honest scrub with a recent toothbrush. You will be surprise at however well they’re going to shine and gleam.

Exhaust Fan Woes

Over time, dust builds up within the fan slits and makes it work less efficiently and effectively. you’ll be able to check the fan’s strength by inserting one square of bathroom paper before of it once running to examine what proportion air it’s drawing in (however, this might solely show you ways sturdy an admirer you’ve got installed). If replacement is not associate possibility, offer the fan an honest cleanup with a vacuum hose fitted with a brush attachment. It is also doable there can be a blockage within the piping. To wash this, you’ll be able to use an appliance vent brush that includes a flexible long handle with a coat the tip.

Cabinet Facelift

If your toilet cabinets area unit trying dingy however area unit still in smart functioning form, there is no ought to feel stuck if your budget is limited. Even builders’ grade laminate coated cupboards are often freshened up. There are a unit kits accessible that embrace all primers and paint/epoxy layers, otherwise you will merely sand, prime and paint victimisation normal materials. To form the duty easier, take away all the doors, drawers, hardware and work on these elements during a clean space off from the toilet. It is best to use rollers or foam brushes to induce a swish end, and you ought to high it off with a coat of polyurethane or polycyclic. For the finishing touch, obtain some new knobs and pulls.

Broken Tile

Cracked or broken tile isn’t solely unsightly, however can even be a visit hazard, a pointy exposed edge, or associate entry purpose for leaks. Cut round the broken or cracked tile at the grout line employing a tile saw attachment for a rotary tool. If it is not lose, you will need to interrupt up the tile employing a hammer or a chilly chisel. Ensure you shield the encompassing smart tile. Clean the realm completely and check to examine if there’s a void which will have cause the tile to crack. If so, apply a radical compound, smooth, and permit to line. Apply mortar to the rear of the tile and space it’s being inserted, and set in situ, ensuring its level with the encompassing tile. Permit the mortar to line and apply grout. Once this sets, apply a grout sealer.

Boring Mirror

Have you ever kicked off one among those big double-vanity mirrors that builders cement to the wall? Believe Pine Tree State, it is a rough task once levelling to stay the mirror intact (7 years is simply too abundant dangerous luck for my taste) yet as minimizing the injury to the drywall which will produce heaps of additional add fixture and repairing. A merely resolution is to stay the mirror and dress it up with molding. as regards to any style of molding can work, however one with a rabbit on the rear edge can permit it to suit up against the sting of the mirror and extend past it, giving a pleasant finished look. Since this within a part of the molding are going to be mirrored back, paint it black or a similar color because the remainder of the molding. Miter the corners and it will appear as if an ideal frame.

Preventing Mold

Mold wants wet and since your toilet is that the wettest place within the house, it is usually the primary place to develop those unpleasant spots. The primary step to preventing the buildup of mold is to permit correct air circulation. Associate fan can facilitate to delay wet, however do not discount the simple act of keeping the toilet door or window open. If you’ve got a drape, ensure to open it all the approach once you are done showering to permit air to flow round the curtain and water to empty away. Use a squeegee to wipe wet off of the shower walls and door. A slow drain keeps wet longer, therefore ensure its operating properly. Get on the lookout for leaks, significantly in hidden areas like rest room and sink shut off valves. The latter area unit sometimes behind or closed within a vanity and may be leaking slowly while not being detected. It goes while not expression that frequently cleanup also will forestall the build of mold.

Roofing Warranties in Texas

Important Points to Grasp Concerning Roofing Material Warranties

Important Points to Grasp Concerning Roofing Material Warranties

Roofing manufacturers typically tout the strength of their warrant and you will see references to thirty, fifty and even period warrant durations. To a point there is some selling occurring since most folks naturally hear “lifetime warranty” and suppose that the things should be pretty smart.

Well with warranties like that the fabric sometimes is pretty smart. However do not be too swayed by what seems like a rock-solid warrant term before understanding what is extremely coated, what isn’t and also the conditions that apply.

Here are the most points regarding roofing warranties to remember of:

Warranties cowl Defects – Not Roof Life Duration

Roofing material warranties solely cowl issues caused by defects because of producing deficiencies, not general deterioration or failure of the roof to last for thirty years. The lifetime of your roof relies on environmental factors, however well it had been put in and alternative conditions like your home’s insulation and ventilation. In alternative words, a thirty-year roof warrant doesn’t suggest your roof can really last for 30 years. It simply suggests that the particular product (the shingles or roof covering) are going to be free from issues caused by a producing flaw.

Warranties Cowl Solely Some Specific Conditions

A roofing product warrant usually solely covers many carrying out conditions like wind (blow-off) resistance, alga resistance (for asphalt shingles) and producing defects as mentioned higher than.
Coverage is typically Pro-Rated Roofing warranties are sometimes pro-rated when an explicit “up-front” time length, when that any compensation is reduced supported the amount of years past that initial term.
Understand the main points (Coverage & Compensation) take the time to truly scan the manufacturer’s warrant before you get to know the main points and specifics regarding the coverage. As an example, alga coverage on associate degree asphalt roof suggests that compensation is within the variety of improvement, not a brand new roof or replacement shingles. Alternative details embrace specific wind speed ratings higher than that your roof will not be coated.

Be Aware of Language That create Claims laborious To Prove this may be higher titled as “diminish your expectations.” Warranties contain language which will presumably create proving your case a he-said/she-said affair. as an example, some warranties cowl alga staining that’s solely “significant” — the question is, however does one confirm what defines ‘significant’ and WHO makes the call?

When it involves wind harm, warranties initial specify that the shingles should are put in in accordance with the manufacturer’s directions and not throughout a cool season (in the case of asphalt). Proving that these conditions were met won’t be that simple though keeping your receipt that shows the time of year your roof was put in helps. If you put in your roof throughout the cool season you’ll not be eligible for this coverage.

Also, you will need to once and for all confirm that shingles were broken by winds that failed to exceed warrant limits. To try to this some warranties need National Weather Service records or almost like validate most wind speeds once the harm occurred for your county or native space.

In some cases this could be thirty days and you ought to give documentation of the harm. Short Notification Periods Warranties typically embrace a notification amount among that you will need to form the manufacturer attentive to any harm that you just notice. Find Out what is NOT coated be aware of what is not coated. This sometimes includes things like faulty installation, inadequate ventilation or drain and faulty building style among others. Understanding what’s not coated is simply as enlightening and vital as knowing the terms related to what is coated.

Don’t Forget the Installation warrant the roofing material manufacturer’s warrant is merely 0.5 the image. The opposite 0.5 must do with the installation of the merchandise. verify what quite installation warrant your roofing installer provides and perceive the main points keeping in mind an equivalent things noted higher than like what is coated, what is not and what compensation is provided.

Keep Your Documents to go in conjunction with #8 (installer’s warranty), check that you retain documentation on the installer and their warrant. It does not take long before the person/company that is done the work is forgotten and out-of-mind. If you are doing have a haul down the road, you will need to understand WHO you’ll} contact and be able to show them documentation that they did the work in conjunction with their warrant.

As you’ll see the fine print of building material warranties deserves shut examination in order that you do not move into a buying deal with fantastic expectations.

Roofing Contractors in Texas

Tips to Help Homeowners Select the Correct Roofing Contractor

Tips to Help Homeowners Select the Correct Roofing Contractor – Edifice Contractors

The biggest obstacle owner’s face when wanting to repair or replace their roof is selecting the correct person to try and do the work. Once a damaging storm, they have to quickly go back to normal and perform the mandatory roofing repairs. However that doesn’t mean they must simply select the first contractor WHO knocks on their door. Finding a contractor WHO is trustworthy, honest, and skilled could sound tough – however that’s wherever you come in. Contractors ought to share these important tips with owners to indicate them that your company is reputable and may be trustworthy to guard their home and their wallet.

  1. Get local referrals. There’s less probability of potential problems or scams once you select a contractor from your community. They’re more aware of local rules and code rules and have a relationship with area crews and suppliers.
  2. Research Better Business Bureau (BBB) ratings. Some contractors blow in (no pun intended) right once a storm trying to find work, therefore it’s necessary to look them up on the BBB website and confirm they have an honest score. Stay back from contractors WHO don’t exist on
  3. Get an extensive warrantee. Not all contractors offers manufacturer warranties that embrace coverage of the contractor’s workmanship. If a contractor installs the roof incorrectly, it should take months or years for the damage to indicate up—and insurance won’t pay money for it. If the contractor won’t fix it (or worse, has gone out of business), your only recourse is to pay money for their mistake yourself.
  4. Be concerned regarding safety. A contractor without a training or safety program might not be the most effective person for your job.
  5. Pay your deductible. Any contractor WHO claims they will handle the repair while not having the home-owner pay their insurance deductible is committing insurance fraud and endangering the home-owner. The insurance deductible is the responsibility of the insured, and therefore the contractor ought to replicate that within the quote while not inflating the estimate to cover all or a part of the deductible.
  6. Don’t surrender to pressure. Be careful for a contractor WHO pressures you to sign a contract before the insurer has estimated the damage. Some contractors say they will work with no matter your insurer settles upon, but the home-owner must guarantee it’s not just any amount, however the correct amount. The contractor ought to completely examine the house and confirm their insurance claims adjuster didn’t miss any damages.
  7. Know your material selections. A contractor WHO doesn’t offer you completely different shingle options isn’t looking for your best interest. The style and color of the shingles you install will have an effect on the marketing worth of your home. If the insurer is paying for a brand new roof, it should be the right time to create a change and upgrade to a lot of unique style that suits your taste. Check up on the choices currently therefore you’re prepared. Knowledge is power.
residential shingle roof - weather

How to Defend Your Family from Unsafe Weather

Defending Your Family from Unsafe Weather

Make a severe weather go-pack

It’s important to debate this go-pack along with your family at your next family meeting. If you have got a pet, a baby or if a member of your family has special medical desires you will need to feature extra things to your emergency kit.

Your go-pack ought to be hold on in a very common place, and each member of the family ought to remember of its location. If you have got a storm shelter, some things could even be hold on there. This could eliminate the step of grabbing your go-pack just in case of a tornado.

At minimum, a severe weather go-pack ought to include:


  • Bottled water
  • Non-Perishable Snacks (canned fruit or vegetables ar good!)
  • Can Opener
  • First aid kit (tweezers, antibiotic ointment, medicine, bandaids, petrolatum, bandages)


  • Flashlight
  • Extra batteries
  • Whistle
  • One amendment of consumer goods per person
  • Battery steam-powered radio
  • Extra batteries for your telephone & charger
  • Blankets
  • Extra set of automobile keys

Important Documents

  • Important phone numbers
  • Record of checking account numbers
  • Family records (birth, marriage, death certificates)
  • Identification
  • Instructions for Turning Off Utilities
  • Cash

Create a severe weather set up and write it down

It is important to own an idea before, throughout and once severe weather. Special precautions ought to be taken if your kids are older and each member of the family drives a vehicle.

In cases wherever a family is scattered throughout completely different locations, outline a gathering place wherever you recognize you’ll be able to realize each other once a storm.

In our modern world, we have a tendency to think about our cell phones to remain in constant communication, however not all communications ar in situ once a severe storm.

At your next family meeting, discuss wherever you may choose shelter ought to severe weather return toward your home, your geographical point or your college, likewise as wherever you may meet if you lose contact with each other.

Once you have got selected a severe weather set up, make sure to write down it down! E-mail it to the family! Post it on the refrigerator! Make sure to feature vital phone numbers onto this set up likewise. Since we have a tendency to think about our cell phones, most people do not have phone numbers memorized any longer.

Even so, if we discover ourselves below stress or pressure as a result of a storm, basic cognitive process a telephone number or what to try to to next ought to be the smallest amount of our worries. Having a written set up can facilitate ease tension. Talking regarding your set up beforehand also will facilitate all members of the family feel a touch safer.

Keep wise of future severe weather

In American state, whether or not you’re keen on News nine, watch Channel five, stick with four or 25— keep weather aware! In recent years, most news stations are providing U.S. with a risk index, from one to five and a map of the areas that would be affected.

If your safe place may be a closet or surrounded space in your home, leave the tv on wherever you’ll be able to still hear it, or take the battery steam-powered radio with you.

Do not conceive to bank solely on your telephone. Throughout severe weather, your signal could also be lost. If you’re taking shelter underground, then you are doubtless to lose cell service!

Here are some extra tips:

Understand the distinction between a ‘Watch’ and a ‘Warning’

A severe weather watch indicates that the potential exists for severe weather. During this case, you must set about your traditional activities as there’s no would like for alarm. This is often a decent time to decision family and friends.

You should, however, keep alert for a severe weather warning. A severe weather warning suggests that a storm is going on at that moment and it’s time to maneuver to an area of safety.

Understand the Risks of Hail

Prepare for hail the approach you steel oneself for an electrical storm. Moving your vehicles to a secure place below a garage or into the garage would be good.

In this approach, you’ll be able to stop harm to your vehicle.

The presence of huge hail indicates terribly sturdy updrafts and downdrafts at intervals the electrical storm. (See National Weather Service.) These also are potential indicators of tornadic activity.

How to steel oneself for a Tornado

During a tornado watch, have your severe weather go-pack close and prepared to travel. Contact family and friends.

If a tornado warning is issued, grab your emergency kit and head to your selected safe place.

Keep in mind that last year there have been changes created to sirens within the American state underground. Sirens can solely sound within the space of the immediate threat.

The safest place may be a tornado shelter, safe area or basement. If you are doing not have a shelter or basement, use pillow and a pad to defend yourself at intervals an indoor area, well or corridor on a coffee floor. Avoid windows, doors and outdoors walls. You’ll be able to use a helmet for side protection.

Stay wise throughout the storm mistreatment your phone, radio or TV.

After the Storm

If you expertise storm harm your home, exercise caution. Safety first!

Contact us today

Mother’s Day is here

For all the working moms out there, we just wanted to take a moment to congratulate and honor you on Mother’s Day. Juggling work, home, and family is really hard, and you deserve major kudos for ALL you do.

Your dedication to both work and family pays off. As a working mom, you have two full time jobs, and you get to reap the greatest benefits of both… You have a rewarding career and the ultimate gratification from raising your family. You may feel frazzled, overwhelmed, pulled in a million directions with not enough of you to go around 99% of the time, but hey, as long as you look like you’ve got things together, you’ve got nothing to worry about. Its difficult. It’s exhausting. But know you are not alone. We’re all trying to figure it out with you.

And one thing’s for sure… you are appreciated – at the office, and at home. Plus, no one else can run your life better than you! YOU are perfect for that job!

Motherhood is tough 24 hour job, no pay, no day off, sometimes it is unappreciated, but yet resignation is impossible. A mother is a woman who created by God to bring love, joy, happiness and caring into his world. I am so glad God has created a woman to be a mother, even though motherhood is a full time job, a mother’s work is never done. Happy Mother’s Day.

Texas severe weather: killed 5, dozens injured after tornadoes touch down in Texas

At least five person killed when a large tornado left major damage in the Texas town of Canton, east of Dallas, Saturday evening, according to emergency officials.

The twister tore over parts of the town at about 6 p.m. CDT, and the National Weather Service issued a Particularly Dangerous Situation tornado warning to alert residents. Minutes after the tornado moved away from the town, the NWS reported major damage. A car dealership was demolished, and vehicles were flung into the air and landed on an adjacent highway. The emergency management service advises everybody affected to stay calm has they are doing all it best to clear the site and keep everybody safe.

Roofing Contractors in Texas

Free Work Wanted Classified Ads Available at (RCS) announces the launch of free work wanted classified advertising through 2017. Understanding the need for labor, is committed to helping people who are looking for work in the roofing industry. has always offered a classified section, which serves as a trusted source to buy and sell equipment, recruit workers and more. With more than 5,000 users a month on the Coffee Shop, encouraging workers to find jobs through a work wanted classified ad can help the entire industry.

“ (Roofers Exchange before it) has always been committed to helping the industry,” stated Vickie Sharples of “We need to encourage people who are looking for work to look at our amazing industry. The Coffee Shop’s advertising not only offers a place to post work wanted but also offers the opportunity to upload resumes and/or employee information, creating an excellent resource for employers.”

Those wishing to place a work wanted ad can simply place an ad using the promo code “Work” and a user account will be created with your email address. The Listing Dashboard can be used to easily update and renew ads until work is found. For employers, it is a great place to look for talent for their companies. It will also bring more prospective employees to the Coffee Shop where they can look at the large array of help wanted ads.

By using the My Alerts feature, job seekers and employers can set up alerts to be notified when ads are reviewed based on keywords, categories or specific locations. The interactive map allows visitors to filter ads by region for a more targeted geographic experience.

To find or create your own new employment opportunity, visit the