LOOK FOR YOUR ANSWERS BELOW:

Q
The insurance will pay for my property damage and medical bills. Why should I hire an attorney?
AThe insurance companies want to get you to settle for the least amount possible as quickly as possible. The reason they do this is because they know that not all of the bills come right away. They may pay the hospital bill but they don’t give you a chance to seek further treatment or receive all the associated bills. We’re on your side and our goal is to settle for the highest amount possible. We know what it takes to shore up your case for the best results. It’s all in the details. Most attorneys try hard but don’t know the medical side of the case. Here at Ramji & Associates, we know the medical aspects and understand what documentation and testing the insurance company needs to make a fair decision on your claim. We can catch issues that other firms just can’t.
Q
How much does it cost to hire an attorney?
AIn short… nothing. It may cost you money to hire another attorney who wants a retainer fee and will charge you per hour even if you don’t win. Here at Ramji & Associates we work on a simple plan: If you don’t get paid, we don’t get paid. So you know we are working our hardest to get you the most from what you deserve.
Q
Is Mr. Ramji really a lawyer AND a doctor?
AIt’s true. Adam Ramji was first a chiropractor dealing with many car accident victims recover from their injuries. He saw a need decided to work on the other side as an attorney. After much hard work, he graduated from law school and opened his own firm to help injured victims fight for what they deserve. His medical expertise gives him a great advantage when dealing with the insurance companies, their adjusters and defense attorneys. He has never sent a bill to a client. When the time comes to disburse your settlement, we will make sure all your medical bills are paid and you walk away with a settlement for pain and suffering.
Q
I’m too hurt to come into the office, will you come to me?
AWe have absolutely no issue meeting you in the hospital, at home or at work if you are unable to come in to our office. We will do whatever it takes to help you get the treatment you need to get well.
Q
How much money will I get from this case?
AEvery case is different. Simply put, the settlement is based on your injuries and treatment. Insurance companies evaluate the accident severity and the necessary medical treatment that follows to determine how much they will offer. Additionally, the amount of your medical bills and the policy limits on the case play a large role in the settlement amount. That being said, there is no way to tell what your case is worth until you have completed treatment.
Q
How long does this process usually take?
AThere is no straight forward answer to that question. It depends on the nature of the injuries, the rehabilitation time and also the insurance company response time. We can go further into detail once we know the facts about your case.
Q
Will a lawsuit be filed?
AWe make every effort to settle the case for a fair amount without filing a law suit. Sometimes, however, if the insurance company is being unfair or refuses to accept liability, we will file a law suit and one of our very qualified attorneys will fight your case.
Q
Will my car insurance policy cover the damage to my vehicle and personal belongings therein?
AThis will depend on the type of insurance you have. Only a “comprehensive” car insurance policy will cover damage to your vehicle due to a hurricane, and even that would not cover personal items within, but not affixed to, the vehicle according to the Texas Department of Insurance (TDI). Click here to visit TDI’s website for more information on the coverage offered by different types of car insurance policies.
Q
Will my renter’s insurance policy cover the damage to my personal property caused by Hurricane Harvey?
AThe Houston Chronicle reports that most rental insurance policies will not cover damage caused by Hurricane flooding. Click here for more information on the specific ways in which renters may be affected by Hurricane Harvey.
Q
Will my homeowner’s insurance policy cover the damage to my property and personal belongings?
AAccording to the Texas Department of Insurance (TDI), most homeowner’s insurance policies do not cover damages caused by flooding, and it will be challenging to get coverage for such damage without a specific flood insurance policy through National Flood Insurance Program.

Nevertheless, most homeowner’s insurance policies do cover damages caused by hurricane winds, so it is possible that you will be able to recover for water-related property damage if you can prove that wind allowed water to seep in and damage property where it otherwise, would not have. Because it can be difficult to pinpoint the source of water damage in any storm, particularly a storm as devastating as Hurricane Harvey, these types of insurance claims can become contentious, but it is important to know that this option is available.

Click here to visit TDI’s website for more information on the variety of insurance policies available to homeowners in Texas.

Q
How will the new Texas law affect any claim that I file?
ADespite the attention it has garnered, Texas House Bill 1774 will only have an impact on a small number of Hurricane Harvey related claims filed after August 31, 2017. Not only does the law not apply to insurance claims under the National Flood Insurance Program, but it will only have an impact on a small number of those private insurance claims that are delayed, disputed or result in litigation. See this reporting by Vox for more information on Texas House Bill 1774.

Is there any way for me to get help if I do not have flood insurance and my homeowner’s insurance policy doesn’t cover the damages?

Individuals and families can apply for FEMA assistance for property damages not covered by insurance, including temporary housing and relocation. Also, the Small Business Administration offers disaster loan assistance to businesses, nonprofits, homeowners, and renters. Click the links for more information and to fill out an application.

Q
Can I recover for personal injuries or the loss of a loved one due to Hurricane Harvey?
AWhile it may be possible to recover for personal injuries or a wrongful death caused by the city or state’s negligence in responding to an emergency call, the mere delay in response, however lengthy, is not a sufficient basis for liability in Texas (SeeFernandez v. City of El Paso, 876 S.W.2d 370 [8th Dist. 1993]).