Category Archives: Uncategorized

Property insurance is one of the most important financial tools available to homeowners and business owners alike. Whether protecting a residential dwelling or a commercial warehouse, understanding how this coverage functions and where its limits lie can make the difference between a smooth recovery and a financial crisis.  This guide explains how property insurance works,Continue reading “How Property Insurance Works”

Fireworks are a beloved part of celebrations across Texas, especially during Independence Day and New Year’s Eve. However, many Texans don’t realize that setting off fireworks at the wrong time or in the wrong place could land them with steep fines or even criminal charges.  So, are fireworks illegal in Texas? The answer depends onContinue reading “Are Fireworks Illegal in Texas?”

The insurance industry has helped people manage risk for centuries, from maritime ventures in the 1600s to modern-day property and life insurance. While the industry has evolved dramatically, some of the companies that shaped its early days are still operating today. In this article, we explore the oldest insurance companies still in business, focusing onContinue reading “What Are the Oldest Insurance Companies Still Around?”

Car insurance is designed to protect drivers against financial loss in the event of an accident. But many people still ask: What does car insurance not cover? Policies typically cover damages resulting from collisions, weather events, theft, and liability for bodily injuries. However, not every scenario involving a car accident is automatically covered.  Insurance companiesContinue reading “What Types of Car Accidents Are Not Covered by Insurance Companies?”

When a tornado rips through your neighborhood, the aftermath can feel overwhelming. Between the debris, the damage, and the emotional toll, filing an insurance claim might be the last thing you want to think about. But it’s one of the most critical steps you can take to begin your recovery. At Daly & Black, P.C.,Continue reading “Tips for Filing Tornado Insurance Claims After a Storm”

When the ground shifts beneath your home, the aftermath can be as unsettling as the quake itself. From cracked foundations to collapsed walls, the damage left behind is often devastating—and the insurance claims process can feel just as overwhelming.  If you’re a homeowner asking how to file an earthquake insurance claim or what your policyContinue reading “Earthquake Insurance Claims Guide for Homeowners”

Using your cell phone behind the wheel might feel routine, but it’s a dangerous behaviour with serious legal and safety consequences and Louisiana law takes distracted driving seriously. If you’re caught texting, scrolling through social media, or using your phone without a hands-free setup, you could face fines and worse if the distraction caused aContinue reading “Is It Illegal to Use Your Phone While Driving in Louisiana?”

If you live along the Gulf Coast, storms aren’t just a possibility — they’re a reality. High winds can tear roofs apart, topple trees, and cause devastating damage in a matter of minutes. Yet many homeowners only realize after a disaster that their insurance coverage might not be as comprehensive as they thought. Understanding whatContinue reading “What Does Windstorm Insurance Cover?”

You pay your premiums year after year—but when a hurricane strikes, will your insurance actually cover the damage? It’s a question many homeowners across the USA must face.  Understanding your policy and how hurricane damage is treated by insurers can mean the difference between rebuilding and financial ruin. So, does insurance cover hurricane damage? TheContinue reading “Does Insurance Cover Hurricane Damage?”

Traumatic brain injuries (TBIs) can profoundly impact a person’s behavior, emotions, and personality. From mood swings to cognitive impairments, these changes can make daily life challenging for both individuals and their loved ones.  Understanding how TBIs affect behavior is crucial for seeking appropriate medical care, implementing effective coping strategies, and exploring legal options for compensationContinue reading “How Does Traumatic Brain Injury Affect Behavior?”