Risk Protection: Your Next Step – Protección Contra Riesgos: Su Próximo Paso
Most small businesses have been given the advice to operate within the protection of a corporate entity or similar company structure such as a limited liability company (L.L.C.) as a solid measure for risk protection. However, we would suggest that forming such an entity is just the beginning step in risk protection for shielding your […]
The Insured VS. The Agent: Who Is to Blame for a Lack of Coverage?
For an insurance adjuster, this can be a daily experience. A loss occurs and the insured’s clam is denied due to a lack of coverage. When this happens, a dispute almost always arises between the insured, the carrier, and often the insurance agent. In the ensuing blame game, fingers are pointed, tempers flare, and lawsuits […]
Employer Liability for the Acts of Independent Contractors – Responsabilidad del Empleador Por Las Leyes de Los Contratistas Independientes
In today’s busy world, there are a number of ways that a small business owner, a general contractor, an independent subcontractor, or an owner of land find the need to have some construction performed. Perhaps they need some equipment repaired or installed. Unfortunately, in the process of these functions, a client or worker can sustain […]
Dealing with Wind Damages from Harvey?
To our friends and neighbors in Montgomery and surrounding counties: We have all been dealing with the after effects of Hurricane Harvey and the tremendous amount of flooding caused by the associated rainfall. We want to advise you that, while many, if not most of these claims, will be directed toward FEMA and covered by […]
Thomas M. Fountain & Associates, PLLC to offer New Continuing Education Course for Texas Residential & Commercial Property Insurers
As a certified provider through the Texas Department of Insurance, Thomas M. Fountain & Associates, PLLC is excited to announce that we are now offering a new Continuing Education course geared towards Texas Residential and Commercial Property Insurers. This program focuses on assisting Insurance Adjusters to give them the tools needed to understand current trends […]
New Texas Supreme Court Case ~ USAA V Menchaca
For many years, homeowners in the state of Texas have sought policy benefits from their homeowners insurance companies. Most of these revolved around allegations that their home was damaged during a storm, whether it be a hailstorm, severe windstorm, or tropical disturbance such as a hurricane. When these claims were adjusted, many of these homeowners […]
A Word on Home Warranties…
First Time Home Buyers are often overwhelmed with the “Do”s and “Do Not”s of home ownership. While most are familiar with the principles behind the need for home insurance, and the added benefits of flood insurance, many have not been exposed to anything beyond that basic knowledge. In efforts to further protect themselves, the homeowners […]
Contracts, Contractors, and Additional Insureds
In a recent opinion, the Texas Supreme Court clarified Texas law as to what coverage an insured may expect when it has additional insured status under an insurance policy. The importance of this opinion cannot be overstated for those who enter into contracts with others and expect the luxury of insurance coverage as a benefit […]
Fountain, Bruce & Mellencamp, P.L.L.C.’s Second Annual Seminar on Hurricane & Storm Claims~Sponsored by The Woodlands Area Chamber of Commerce August 15, 2013
As previously announced, the Woodlands Law Firm of Fountain, Bruce & Mellencamp, P.L.L.C is to present a seminar to homeowners and business owners at and sponsored by the Woodlands Area Chamber of Commerce on August 15, 2013. One of the subjects during the seminar will be the inevitable exposure to roofing systems to elevated winds […]
Fountain, Bruce & Mellencamp, P.L.L.C. Secures Win for Client in Houston Trial
June 6, 2013-Houston, Texas. A jury returned a verdict for a Florida based insurer late Friday afternoon following a trial in the 133rd Judicial District Court of Harris County, Texas. The defense verdict followed three days of testimony wherein two policyholders alleged the insurer committed acts of fraud, a breach of the duty of good […]