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            <title>Lawyers to Harvey victims: File insurance claims before law changes Sept. 1 or risk losing money | Texas Legislature | Dallas News</title>

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                bidder: "rubicon",
                params: rubicon.mobileParams
            },
            {
                bidder: "openx",
                params: openx.params
            }
        ],
        // Define the bidders for the mobile version of Adhesion Ad
        Adhesion: [
            {
                bidder: "criteo",
                params: { zoneId: '800096' }
            },
            {
                bidder: 'sovrn',
                params: { tagid: '463167' }
            },
            {
                bidder: "rubicon",
                params: rubicon.mobileParams
            },
            {
                bidder: "openx",
                params: openx.params
            }
        ],
    };
    window.desktopBids = {
        // Define the bidders for the desktop version of Top Ad
        Top: [
            {
                bidder: "criteo",
                params: { zoneId: '799738' }
            },
            { // 728x90
                bidder: 'sovrn',
                params: { tagid: '463157' }
            },
            { // 970x250
                bidder: 'sovrn',
                params: { tagid: '463160' }
            },
            {
                bidder: "rubicon",
                params: rubicon.desktopParams
            },
            {
                bidder: "openx",
                params: openx.params
            }
        ],
        // Define the bidders for the desktop version of Position1 Ad
        Position1: [
            { // 300x250
                bidder: 'sovrn',
                params: { tagid: '463143' }
            },
            { //  300x600
                bidder: 'sovrn',
                params: { tagid: '463155' }
            },
            {
                bidder: "rubicon",
                params: rubicon.desktopParams
            },
            {
                bidder: "openx",
                params: openx.params
            }
        ],
        // Define the bidders for the desktop version of Position2 Ad
        Position2: [
            {
                bidder: "criteo",
                params: { zoneId: '800097' }
            },
            {
                bidder: 'sovrn',
                params: { tagid: '463153' }
            },
            {
                bidder: "rubicon",
                params: rubicon.desktopParams
            },
            {
                bidder: "openx",
                params: openx.params
            }
        ],
        // Define the bidders for the desktop version of Position3 Ad
        Position3: [
            {
                bidder: "criteo",
                params: { zoneId: '800099' }
            },
            {
                bidder: 'sovrn',
                params: { tagid: '463154' }
            },
            {
                bidder: "rubicon",
                params: rubicon.desktopParams
            },
            {
                bidder: "openx",
                params: openx.params
            }
        ],
        // Define the bidders for the desktop version of Top2 Ad
        Top2: [
            {
                bidder: "criteo",
                params: { zoneId: '800101' }
            },
            { // 728x90
                bidder: 'sovrn',
                params: { tagid: '463159' }
            },
            { // 970x250
                bidder: 'sovrn',
                params: { tagid: '463162' }
            },
            {
                bidder: "rubicon",
                params: rubicon.desktopParams
            },
            {
                bidder: "openx",
                params: openx.params
            }
        ]
    }; // eo bidder definitions

    // Bidders are configured above
    // Create our prebid command queue, similar to the google command queue
    var pbjs = pbjs || {};
    pbjs.que = pbjs.que || [];

    if(window.DallasNews.settings.ADS_HEADER_BIDDING){

        // If Prebid is enabled, append the prebid.js script to the page to load it asynchronously
        (function() {
            var pbjsEl = document.createElement("script");
            pbjsEl.type = "text/javascript";
            pbjsEl.async = true;
            pbjsEl.src = "/resources/motif/dist/js/prebid.js";
            var pbjsTargetEl = document.getElementsByTagName("head")[0];
            pbjsTargetEl.insertBefore(pbjsEl, pbjsTargetEl.firstChild);
        })();

        // Queue in a command to immediately configure prebid settings
        pbjs.que.push(function() {
            // Tell Prebid to send its analytics to Roxot (why?)
            pbjs.enableAnalytics({
                provider: 'roxot',
                options: {
                    publisherIds: [roxot.publisherId]
                }
            });
            // Change the bid amount granularity sent to Google so we can match to simpler line item prices (I think)
            // TODO: WILL BE DEPRECATED IN v1.0 and need to be passed in setConfig
            const customGranularity = {
              "buckets" : [{
                  "precision": 2,
                  "min" : 0,
                  "max" : 20,
                  "increment" : 0.01
                },
                {
                  "precision": 2,
                  "min" : 20,
                  "max" : 50,
                  "increment" : 0.05
                }]
            };
            pbjs.setPriceGranularity(customGranularity);
            // Setup Prebid to send all bids to Google, instead of just the highest bidder
            // TODO: WILL BE DEPRECATED IN v1.0 and need to be passed in setConfig
            pbjs.enableSendAllBids();
        });
    } // eo prebid installation

    window.DFP_adTargets.beta = "true";window.DFP_adTargets.dnLoggedIn = "false";window.DFP_adTargets.articleId = "AV4p4A9Avd-XO9QpcQlH";window.DFP_adTargets.authorId = "AVTHM1MAKQsaZ2aXxmyS";
    window.DFP_adTargetsParam = "beta%3Dtrue%26dnLoggedIn%3Dfalse%26articleId%3DAV4p4A9Avd-XO9QpcQlH%26authorId%3DAVTHM1MAKQsaZ2aXxmyS";
    // Lets configure our ad slot paramaters for page load ads, to support roadblock ads
    // Back in the day, ads were all loaded on the fly, these days first page load ads are configured in the <head>
    // then all requested in a single google ad request so that ad dudes can target all ads for one campaign (called roadblocks)

    // Same ads on all pages
    var prebuilds = {
        dfpTop:{
            sizes:[
                "[[992, 480], [[728,90],[970,30],[970,90],[970,250]]]",
                "[[0, 0], [[320,50]]]"
            ],
            position: "Top",
            outOfPage: false,
            bid: true
        },
        dfpDMN1x1:{
            sizes:[
                "[[0, 0], [[1,1]]]"
            ],
            position: "DMN1x1",
            outOfPage: false,
            bid: false
        },
        dfpPosition1:{
            sizes:[
                "[[992, 480], [[300,250],[300,600]]]",
                "[[0, 0], [[320,50],[300,250]]]"
            ],
            position: "Position1",
            outOfPage: false,
            bid: true,
            additionalBids: {
                desktop: [
                    {
                        bidder: "criteo",
                        params: { zoneId: '799740' }
                    }
                ],
                mobile:[
                    {
                        bidder: "criteo",
                        params: { zoneId: '799741' }
                    }
                ]
            }
        },
        dfpPosition2:{
            sizes:[
                "[[992, 480], [[300,250]]]",
                "[[0, 0], [[300,250]]]"
            ],
            position: "Position2",
            outOfPage: false,
            bid: true
        },
        dfpAdhesion:{
            sizes:[
                "[[0, 0], [[320,50]]]"
            ],
            position: "adhesion",
            outOfPage: false,
            bid: false
        },
        dfpOutOfPage:{
            sizes:[],
            position: "DMNOOP",
            outOfPage: true,
            bid: false
        },
        dfpPosition3: {
            sizes:[
                "[[992, 480], [[300,250]]]",
                "[[0, 0], [[300,250]]]"
            ],
            position: "Position3",
            outOfPage: false,
            bid: true
        }
    };

        // Ad definitions for the article pages
    prebuilds.dfpTop2Article = {
            sizes:[
                "[[992, 480], [[728,90]]]",
                "[[0, 0], [[320,50],[300,250]]]"
            ],
            position: "Top2",
            outOfPage: false,
            bid: true
        };
    prebuilds.dfpPosition1Article = {
            sizes:[
                "[[992, 480], [[300,250],[300,600],[640,480]]]",
                "[[0, 0], [[320,50],[300,250]]]"
            ],
            position: "Position1",
            outOfPage: false,
            bid: true,
            additionalBids: {
                desktop: [
                    {
                        bidder: "criteo",
                        params: { zoneId: '800095' }
                    }
                ],
                mobile:[
                    {
                        bidder: "criteo",
                        params: { zoneId: '800094' }
                    }
                ]
            }
        };
        // eo primary Ad Configurations we use for Google and Prebid


    // Prebid Slots, defined first so we can setup some targeting data for the ad
    if(window.DallasNews.settings.ADS_HEADER_BIDDING){
        for(var slot in prebuilds){
            var prebuild = prebuilds[slot];

            // Skip ads we are not bidding for
            if (!prebuild.bid) {
                continue;
            }

            // Skip ads without bids
            var pos = prebuild["position"];
            if (!(window.useMobileAds ? window.mobileBids[pos] : window.desktopBids[pos])) {
                continue;
            }

            var size = getPrebuildSizeForWindow(prebuild, window.innerWidth);
            size = size[1];

            // We can have various sizes of ads depending on window width
            // So we need to determine the appropriate size Google will be rendering
            var bidSlot = {
                code: slot,
                sizes: size,
                bids: window.useMobileAds ? window.mobileBids[pos] : window.desktopBids[pos]
            }

            // If the ad definition for this page included additional bidder stick them also in the list of normal bidders
            if ('additionalBids' in prebuild  && 'mobile' in prebuild.additionalBids) {
                for (var mb in prebuild.additionalBids.mobile) {
                    bidSlot.bids.unshift(prebuild.additionalBids.mobile[mb]);
                }
            }
            if ('additionalBids' in prebuild  && 'desktop' in prebuild.additionalBids) {
                for (var db in prebuild.additionalBids.desktop) {
                    bidSlot.bids.unshift(prebuild.additionalBids.desktop[db]);
                }
            }
            
            // Add this ad unit to the prebid auction list (which will be requested after the ads are prepped in integration)
            window.bidSlots.push(bidSlot);
        }
    } // eo prebid slot building for ads

    // Google DFP Ad, setup second, so if we are using prebid we can extend with prebid targeting data (once the cmd queue is processed)
    googletag.cmd.push(function () {

        // Build our slots
        for(var slot in prebuilds){

            var prebuild = prebuilds[slot];
            var dfpSlot = null;

            if (prebuild.outOfPage) {
                // Special ad type that is out of page
                dfpSlot = googletag.defineOutOfPageSlot('/' + DFP_networkId + '/' + DFP_sitepage, slot);
                dfpSlot.addService(googletag.pubads());
            } else {
                // Normal ads that appear in page with sizes
                var defaultSize = JSON.parse(prebuild.sizes[0]);

                // Iterate our sizes and add them
                var dfpSizeMappingBuilder = googletag.sizeMapping();
                for (var k = 0; k < prebuild.sizes.length; k++) {
                    var size = JSON.parse(prebuild.sizes[k]);
                    dfpSizeMappingBuilder.addSize(size[0], size[1]);
                }
                var dfpSizeMappingArray = dfpSizeMappingBuilder.build();

                // Build the slot
                dfpSlot = googletag.defineSlot('/' + DFP_networkId + '/' + DFP_sitepage, defaultSize[1], slot);
                dfpSlot.defineSizeMapping(dfpSizeMappingArray);
                dfpSlot.addService(googletag.pubads());
            }

            // Slot targetting
            dfpSlot.setTargeting("position", prebuild.position).
                                setTargeting("pageType", "article").
                                setCollapseEmptyDiv(true);
                if (window.DFP_adTargets) {
                    for (let key in window.DFP_adTargets) {
                        dfpSlot.setTargeting(key, window.DFP_adTargets[key])
                    }
                }
            dfpSlot.addService(googletag.pubads());

            // Window variables for our slot
            window[slot] = dfpSlot;
        }

        // Now that slots are built, if prebid was completed we have bid data to attach to the slots, before its sent off
        if (window.DallasNews.settings.ADS_HEADER_BIDDING) {
            pbjs.setTargetingForGPTAsync();
        }

        // Finalize Google Services
        // Make sure we load ads asynchronously so we dont block the page
        googletag.pubads().enableAsyncRendering();
        // Enable single request mode so all ads are fetched in one call, to support roadblock ads
        // (roadblock ads is how they can render a specific set of ads in each slot, usually because someone wanted to buy all ad space on a page)
        googletag.pubads().enableSingleRequest();
        // This would normally prevent google from loading ads on page load (until refresh() was called), but it is commented out so ads will load on page load
        // It is re-enabled after the first load of ads for dynamic ads in the Ad.js class
        // googletag.pubads().disableInitialLoad();
        // Enable google services for all defined ad slots
        googletag.enableServices();
    }); // eo google cmd for building the ads


    // If we are loading ads with Prebid, set a fallback timeout to load them if prebid is slow
    // Otherwise always load the ad server asap
    if(window.DallasNews.settings.ADS_HEADER_BIDDING){
        setTimeout(function () { 
            initAdserver();
        }, window.PREBID_TIMEOUT);

        runPrebid();
    }
    else{
        initAdserver();
    }
</script>
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                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/associated-press" tabindex="-1">Associated Press</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/balch-springs" tabindex="-1">Balch Springs</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/baylor" tabindex="-1">Baylor</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/bedford" tabindex="-1">Bedford</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/boy-scouts" tabindex="-1">Boy Scouts</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/burleson" tabindex="-1">Burleson</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/carrollton" tabindex="-1">Carrollton</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/cedar-hill" tabindex="-1">Cedar Hill</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/child-protective-services" tabindex="-1">Child Protective Services</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/climate-change-1" tabindex="-1">Climate Change</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/colleyville" tabindex="-1">Colleyville</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/collin-county" tabindex="-1">Collin County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/community-column" tabindex="-1">Community Column</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/coppell" tabindex="-1">Coppell</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/corinth" tabindex="-1">Corinth</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/courts" tabindex="-1">Courts</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/crime" tabindex="-1">Crime</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dart" tabindex="-1">DART</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas" tabindex="-1">Dallas</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas-ambush" tabindex="-1">Dallas Ambush</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas-city-council" tabindex="-1">Dallas City Council</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas-city-hall" tabindex="-1">Dallas City Hall</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas-county" tabindex="-1">Dallas County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas-isd" tabindex="-1">Dallas ISD</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas-police" tabindex="-1">Dallas Police</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/dallas-zoo" tabindex="-1">Dallas Zoo</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/debunked" tabindex="-1">Debunked</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/democratic-national-convention" tabindex="-1">Democratic National Convention</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/denton" tabindex="-1">Denton</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/denton-county" tabindex="-1">Denton County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/desoto" tabindex="-1">Desoto</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/domestic-violence" tabindex="-1">Domestic Violence</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/donald-trump-1" tabindex="-1">Donald Trump</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/downtown-dallas" tabindex="-1">Downtown Dallas</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/duncanville" tabindex="-1">Duncanville</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/early-childhood-education" tabindex="-1">Early Childhood Education</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/east-dallas" tabindex="-1">East Dallas</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/education" tabindex="-1">Education</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/elections" tabindex="-1">Elections</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/ellis-county" tabindex="-1">Ellis County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/environment" tabindex="-1">Environment</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/euless" tabindex="-1">Euless</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/fair-park" tabindex="-1">Fair Park</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/farmers-branch" tabindex="-1">Farmers Branch</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/fire-1" tabindex="-1">Fire</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/flower-mound" tabindex="-1">Flower Mound</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/fort-worth" tabindex="-1">Fort Worth</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/frisco" tabindex="-1">Frisco</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/from-the-archives" tabindex="-1">From the Archives</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/garland" tabindex="-1">Garland</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/grand-prairie" tabindex="-1">Grand Prairie</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/grapevine" tabindex="-1">Grapevine</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/guns" tabindex="-1">Guns</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/harvey" tabindex="-1">Harvey</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/higher-education" tabindex="-1">Higher Education</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/highland-park" tabindex="-1">Highland Park</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/highland-village" tabindex="-1">Highland Village</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/holidays" tabindex="-1">Holidays</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/homicide" tabindex="-1">Homicide</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/hood-county" tabindex="-1">Hood County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/hunt-county" tabindex="-1">Hunt County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/hurst" tabindex="-1">Hurst</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/immigration" tabindex="-1">Immigration</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/investigations" tabindex="-1">Investigations</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/irving" tabindex="-1">Irving</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/jfk" tabindex="-1">JFK</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/johnson-county" tabindex="-1">Johnson County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/kaufman-county" tabindex="-1">Kaufman County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/keller" tabindex="-1">Keller</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/lgbt" tabindex="-1">LGBT</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/lake-highlands" tabindex="-1">Lake Highlands</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/lakewood" tabindex="-1">Lakewood</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/lancaster" tabindex="-1">Lancaster</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/lewisville" tabindex="-1">Lewisville</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/local-politics" tabindex="-1">Local Politics</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/mansfield" tabindex="-1">Mansfield</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/mckinney" tabindex="-1">McKinney</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/mesquite" tabindex="-1">Mesquite</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/mexico" tabindex="-1">Mexico</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/missing-person" tabindex="-1">Missing Person</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/newsletters" tabindex="-1">Newsletters</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/north-dallas" tabindex="-1">North Dallas</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/north-richland-hills" tabindex="-1">North Richland Hills</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/oak-cliff" tabindex="-1">Oak Cliff</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/parker-county" tabindex="-1">Parker County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/photos" tabindex="-1">Photos</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/plano" tabindex="-1">Plano</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/politics" tabindex="-1">Politics</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/preservation" tabindex="-1">Preservation</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/prosper" tabindex="-1">Prosper</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/public-health" tabindex="-1">Public Health</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/republican-national-convention" tabindex="-1">Republican National Convention</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/richardson" tabindex="-1">Richardson</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/rockwall" tabindex="-1">Rockwall</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/rockwall-county" tabindex="-1">Rockwall County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/rowlett" tabindex="-1">Rowlett</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/staar" tabindex="-1">STAAR</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/sachse" tabindex="-1">Sachse</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/saginaw" tabindex="-1">Saginaw</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/science-medicine" tabindex="-1">Science and Medicine</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/social-justice-1" tabindex="-1">Social Justice</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/southern-dallas" tabindex="-1">Southern Dallas</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/southlake" tabindex="-1">Southlake</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/special-needs" tabindex="-1">Special Needs</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/tarrant-county" tabindex="-1">Tarrant County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/texas" tabindex="-1">Texas</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/texas-education-agency" tabindex="-1">Texas Education Agency</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/texas-legislature" tabindex="-1">Texas Legislature</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/texas-politics" tabindex="-1">Texas Politics</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/the-colony" tabindex="-1">The Colony</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/traffic" tabindex="-1">Traffic</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/traffic-accidents" tabindex="-1">Traffic Accidents</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/transportation" tabindex="-1">Transportation</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/txdot" tabindex="-1">TxDOT</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/us-news" tabindex="-1">U.S. News</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/university-park" tabindex="-1">University Park</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/uptown-dallas" tabindex="-1">Uptown Dallas</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/van-zandt-county" tabindex="-1">Van Zandt County</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/watchdog" tabindex="-1">Watchdog</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/weather" tabindex="-1">Weather</a></li>
                                                            <li class="hdr-all-sections__sub-list-item"><a class="hdr-all-sections__sub-link" href="https://www.dallasnews.com/news/west-dallas-1" tabindex="-1">West Dallas</a></li>
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                    Lawyers to Harvey victims: File insurance claims before law changes Sept. 1 or risk losing money                </h1>

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            <p><strong><i>Updated at 12:50 p.m.:</i></strong> <em>Revised to include comment from Sen. Kelly Hancock, sponsor of the insurance legislation.</em></p>
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<p>AUSTIN —&nbsp;Even as Harvey's devastating deluge continues to inundate Texans' homes, lawyers are urging waterlogged homeowners to file insurance claims by Thursday to avoid losing out on important rights that lawmakers limited during the legislative session this year.</p><p>"It's a David vs. Goliath battle from the start," said Dallas lawyer Brian Lauten. "They have basically taken away David's slingshot."</p><p>Starting Sept. 1,&nbsp;<a href="http://www.capitol.state.tx.us/BillLookup/Text.aspx?LegSess=85R&amp;Bill=HB1774#http://" style="font-size: 1em;">House Bill 1774</a>&nbsp;becomes law in Texas, a measure that advocates for insurance companies say was designed to limit lawsuit abuses&nbsp;while preserving protections for homeowners.&nbsp;</p>        </div>
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            <p>Lawyers and consumer advocates, however, say the new law will severely limit homeowners' ability to hold insurance companies accountable when they take months or years to pay for a claim, underpay or wrongfully deny legitimate claims. And they are exhorting Harvey's victims to preserve their rights under current law by filing claims before the new measure takes effect Friday.</p>        </div>
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            <p>"I know this may seem like the last thing people have on their mind as they are stranded from their families, homes and businesses, but the new law strips people of their rights," said Geoff Henley, of the Henley &amp; Henley firm in Dallas, "and so immediate action is necessary."</p>        </div>
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            <blockquote class="twitter-tweet"><p lang="en" dir="ltr">HB1774, effective 9/1, changes the law regarding how legal actions for certain insurance claims are handled: <a href="https://t.co/84mu76s6TK">https://t.co/84mu76s6TK</a></p>&mdash; State Bar of Texas (@statebaroftexas) <a href="https://twitter.com/statebaroftexas/status/901887171585507328">August 27, 2017</a></blockquote>
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            <p>Sen. Kelly Hancock, R-North Richland Hills, who sponsored the legislation in the Senate, said lawyers are misleading homeowners, who should remain focused foremost on their safety.</p>
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<p>"There is no need to rush to file a claim. Put your safety first. Do not return to seriously damaged property unless you are informed that it is safe," Hancock said.</p><p>The new law reduces the amount of interest insurance companies will have to pay to homeowners if they take too long to pay for a claim. Currently, if a court finds that the company delayed payment, the company must pay the claim with 18 percent interest. The new law knocks the interest down to about 10 percent. The law also reduces the amount of attorney fees that homeowners can recover if they don't estimate with 80 percent accuracy the amount of damages done to their home when they file suit against the insurer.<br></p>        </div>
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            <p>Lawyers and consumer advocates say those measures make it harder for homeowners to demand timely payment for the damages done to their homes and will make it more difficult for them to find lawyers willing to sue insurance companies who've wronged them.</p><p>"There is nothing about this bill that helps policyholders," said Will Adams, vice president of legislative affairs for the Texas Trial Lawyers Association. "Everything about this bill makes it harder for policyholders to hold insurance companies accountable."</p><p>Adams said homeowners can protect their ability to receive 18 percent interest on delayed payments by filing their claims before Sept. 1. But the law requiring more accurate damage estimates is only triggered after a homeowner files a lawsuit, and none of Harvey's victims are likely to sue before Friday.</p><p>"There are going to be thousands upon thousands, if not millions, who aren't going to be able to do that, and they're going to be stuck," Adams said.</p>
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            <p>Lucy Nashed, a spokeswoman for Texans for Lawsuit Reform, the lead supporter of the legislation, said its opponents are exaggerating the potential impacts. Most homeowners will not be affected, she said, because most people go through the regular insurance claims process and do not sue their insurers.<br></p><p>"Texas has some of the strongest consumer protections in the nation for policyholders that are denied or underpaid by insurance companies," Nashed said. "That is still the case."</p><p>She said the new law protects homeowners even further by reducing unnecessary lawsuits that increase homeowners' insurance premiums.</p><p>"The abuse exists, it's there, and to turn a blind eye to that is not helpful to Texas homeowners," she said.</p><p>Hancock reiterated that the new law does not affect the claims process, only lawsuits. And he said homeowners can still get up to 20 percent interest on claims that are not paid in a timely way.</p><p>"Sadly, while the storm is still raging and acts of heroism abound, a select few bad actors have circulated misinformation regarding insurance claims to scare property owners, all for the sake of profit," he said.</p>
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<p>But Lauten&nbsp;encouraged Harvey victims not to take any chances that might result in losing out on their ability to ensure insurance companies make good on their promises to protect their most valuable investment. He urged homeowners to take photos of the damages to their homes, to immediately find their insurance policies and file claims, and to hire a lawyer right away.</p><p>"It takes an unlevel playing field that's already incredibly biased in favor of insurance companies and makes it a mountain the insured has to climb to get fair treatment," he said.</p>        </div>
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