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        <title>Insurers Could Dodge Harvey-Related Legal Fights Under Texas Law - Bloomberg</title>
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                <h1 class="lede-text-only__hed"><span class="lede-text-only__highlight">Insurers Could Dodge Harvey-Related Legal Fights Under Texas Law</span></h1>
                
                <address class="lede-text-only__byline">By <div class="author">Katherine Chiglinsky
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                New rule limiting payments, lawyer fees could discourage suits
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                Consumer advocate calls for law to be delayed amid flooding
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            <div class="lede-media-video__caption"><p>FBR MD Says Harvey Will Mostly Impact Primary Insurers</p>
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            <p><em>Follow <a href="https://twitter.com/bpolitics" target="_blank" rel="nofollow noopener" itemprop="StoryLink" itemscope="itemscope" data-web-url="https://twitter.com/bpolitics">@bpolitics</a> for all the latest news, and <a href="http://link.mail.bloombergbusiness.com/join/4wm/politics-brief-signup" target="_blank" rel="nofollow noopener" itemprop="StoryLink" itemscope="itemscope" data-web-url="http://link.mail.bloombergbusiness.com/join/4wm/politics-brief-signup">sign up</a> for our daily Balance of Power newsletter.</em></p><div class="hardwall" data-position="1"></div><div class="softwall" data-position="1"></div><p>As if victims of Hurricane Harvey didn&#x2019;t have enough to deal with, a Texas <a itemscope="itemscope" itemprop="StoryLink" href="/news/terminal/NJ9A876VDKIE" title="War on Hail Declared in Texas as Insurers Fight Storm Claims (1)" class="terminal-news-story" target="_blank" rel="nofollow noopener"><meta itemprop="active" content="true"><meta itemprop="type" content="StoryLink"><meta itemprop="suid" content="NJ9A876VDKIE">law</a> that <a itemscope="itemscope" itemprop="StoryLink" href="http://www.capitol.state.tx.us/BillLookup/History.aspx?LegSess=85R&amp;Bill=HB1774" title="Texas house law" target="_blank" rel="nofollow noopener"><meta itemprop="type" content="WebLink">takes effect</a> Sept. 1 may make it harder for them to sue insurers for payment of claims.</p><div class="hardwall" data-position="2"></div><div class="softwall" data-position="2"></div><p>Texas House Bill 1774, passed earlier this year, was <a itemscope="itemscope" itemprop="StoryLink" href="https://twitter.com/DrGregBonnen/status/902273512857116672" title="Greg Bonnen tweet on HB 1774" target="_blank" rel="nofollow noopener"><meta itemprop="type" content="WebLink">designed</a> to curb lawsuits against insurers after natural disasters. Politicians and industry groups said litigation is sometimes driven by &#x201C;<a itemscope="itemscope" itemprop="StoryLink" href="http://www.pciaa.net/pciwebsite/cms/content/viewpage?sitePageId=48894" title="PCI statement on bill" target="_blank" rel="nofollow noopener"><meta itemprop="type" content="WebLink">storm-chasing</a>&#x201D; lawyers who <a itemscope="itemscope" itemprop="StoryLink" href="http://www.pciaa.net/pciwebsite/cms/content/viewpage?sitePageId=48894" title="PCI statement on HB 1774" target="_blank" rel="nofollow noopener"><meta itemprop="type" content="WebLink">team up</a> with roofers and public adjusters to seek big payouts. The law could mean that insurers face fewer suits after catastrophes such as Harvey, according to Stephen Pate, a lawyer at Cozen O&#x2019;Connor who works with carriers and has handled storm-related cases.</p><div class="hardwall" data-position="3"></div><div class="softwall" data-position="3"></div>
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        <p>&#x201C;There was a cottage industry of certain policyholder attorneys that were filing hailstorm claims&#x201D; in previous storms that were bogus, Pate said. &#x201C;These policyholder attorneys were preying on people.&#x201D;</p><div class="hardwall" data-position="4"></div><div class="softwall" data-position="4"></div><p>Consumer advocates <a itemscope="itemscope" itemprop="StoryLink" href="http://www.texaswatch.org/blog/odessa-residents-could-soon-face-second-storm-insurance-abuse" title="Texas Watch on HB 1774" target="_blank" rel="nofollow noopener"><meta itemprop="type" content="WebLink">say</a> the law could add more delays to the already-tedious claims process and may discourage lawyers from taking on legitimate cases, according to the Consumer Federation of America&#x2019;s Bob Hunter. He said victims of Harvey may have a harder time because of the law.</p><p>&#x201C;These people are getting really whacked; to have a second whack because they can&#x2019;t find a lawyer when they really need one, would be very sad,&#x201D; Hunter, director of insurance at the CFA and a former Texas insurance commissioner, said in a phone interview. &#x201C;The wise thing for the Legislature to do is to quickly pass a four-month extension of this bill, not impose something new in the middle of all this.&#x201D;</p><p><a itemscope="itemscope" itemprop="StoryLink" href="https://www.bloomberg.com/politics/articles/2017-08-28/how-harvey-squeezes-congress-on-flood-insurance-quicktake-q-a" title="How Harvey Squeezes Congress on Flood Insurance: QuickTake Q&amp;A" target="_blank"><meta itemprop="active" content="true"><meta itemprop="type" content="StoryLink"><meta itemprop="suid" content="OVEQYO6TTDS0">Read more: How Harvey squeezes Congress on flood insurance</a></p><p>Houston, the nation&#x2019;s fourth-largest city, is largely under water after Harvey pummeled it with about 49 inches (124 centimeters) of rain, which broke the state tropical cyclone record set in 1978. At least seven people are dead and tens of thousands are displaced. The storm could cost the area about <a itemscope="itemscope" itemprop="StoryLink" href="https://www.bloomberg.com/news/articles/2017-08-29/harvey-costs-seen-rising-to-42-billion-as-flooding-intensifies" title="Harvey Costs Seen Rising to $42 Billion as Flooding Intensifies" target="_blank"><meta itemprop="active" content="true"><meta itemprop="type" content="StoryLink"><meta itemprop="suid" content="OVGCGA6JTSEA">$42 billion</a>, up from an earlier estimate of $24 billion Sunday, according to Chuck Watson, a disaster modeler with Enki Research. Only about a quarter of that is likely to be covered by insurers, according to Watson.</p>
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        <p>U.S. Representative Joaquin Castro, a Democrat from Texas, has <a itemscope="itemscope" itemprop="StoryLink" href="https://twitter.com/JoaquinCastrotx/status/902218286301155328" title="Joaquin Castro tweet" target="_blank" rel="nofollow noopener"><meta itemprop="type" content="WebLink">called</a> for the state Legislature to convene a special session and delay the bill&#x2019;s implementation. And he tweeted that residents affected by the storm should file claims before the start of September.</p><p>The new state law will limit the amount of interest an insurer will owe policyholders if it&#x2019;s found to have delayed payments, and potentially reduce attorney fees the consumer can recover, according to Michael Duffy, a managing partner of law firm Duffy &amp; Duffy. That could discourage lawsuits, Pate said.</p><h3>Likely Impact</h3><p>Any claims or lawsuits filed before Sept. 1 will be subject to the old rules including the higher interest rate. Because lawsuits follow a denial of a claim, Harvey is unlikely to spur litigation before the law takes effect, according to Joe Woods, vice president of state government relations for the Property Casualty Insurers Association of America. The new rule doesn&#x2019;t cover policies held under the National Flood Insurance Program or the Texas Windstorm Insurance Association, according to Greg Bonnen, who helped write the bill.</p><aside class="inline-newsletter" data-state="ready"></aside><p>Policyholder-owned State Farm Mutual Automobile Insurance Co., which had the largest share in the market for home and auto coverage in Texas last year, said it had about 5,000 <a itemscope="itemscope" itemprop="StoryLink" href="/news/terminal/OVER756KLVR5" title="State Farm, Texas&#x2019;s Largest Insurer, Sees 5,000 Home, Car Claims" class="terminal-news-story" target="_blank" rel="nofollow noopener"><meta itemprop="active" content="true"><meta itemprop="type" content="StoryLink"><meta itemprop="suid" content="OVER756KLVR5">claims</a> tied to those policies through Sunday because of the hurricane. Allstate Corp., the second-largest auto and home insurer in that region, dropped 1.5 percent in New York trading Monday as the storm hit. The company was little changed Tuesday.</p><p>Insurance companies profit, in part, by taking in more in premiums and paying out less in claims. By creating delays, they can cut their payouts, according to Duffy.</p><p>&#x201C;What they&#x2019;ve done is created a further disincentive to treat policy owners reasonably and fairly,&#x201D; he said Tuesday in a phone interview. &#x201C;There is nothing good for the homeowner at all.&#x201D;</p><p>Pate and Hunter agree on one thing: It&#x2019;s probably impossible to assess the full damage of Hurricane Harvey before the law takes effect on Sept. 1.</p><p>&#x201C;It&#x2019;s not safe to go back to my house,&#x201D; said Pate, who works in Houston and evacuated Friday. &#x201C;It&#x2019;s not safe for millions and millions of people to go back to their property.&#x201D;</p><p><em>&#x2014; With assistance by Andrew M Harris</em></p><ol class="noscript-footnotes"></ol>
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