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We are an insurance safety net and partner in the insolvency system, fairly serving the people of Texas in an efficient and cost-effective way. TPCIGA, Mission statement According to the Texas State Auditor's Office, the "Association's purpose is to pay, fairly and in a timely manner, valid insurance claims involving insolvent property and ...
After builder risk coverage expires, due to sale or occupancy, the new owner typically obtains permanent property insurance on the building such as a home owner's policy or a commercial property policy. Insurance costs generally run between one and four percent of the construction cost, depending upon the type of insurance purchased and ...
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
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Gross negligence is the "lack of slight diligence or care" or "a conscious, voluntary act or omission in reckless disregard of a legal duty and of the consequences to another party." [1] In some jurisdictions a person injured as a result of gross negligence may be able to recover punitive damages from the person who caused the injury or loss. [2]
An abandoned car sits in floodwaters in a residential neighborhood in Beaumont in 2017, 11 days days after Hurricane Harvey ravaged the Texas Coast. A property owner sued Texas for damages to his ...