LJCG, LLC dba Lady Justice Consulting Group

03/23/2025

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Parametric insurance is a relatively new solution. Discover what parametric solutions are, and how they compare to more traditional types of insurance.

02/27/2025

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"This increase in insurance can't continue. It's unsustainable," one Texas homeowner said in response to skyrocketing home insurance rates.

01/26/2025

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The US Housing Market is getting hit by a collapse in the property insurance market in early 2025, with several regions around America facing an exodus of in...

12/09/2024

With holiday lights being put up and out, Christmas trees not getting properly watered, and heaters being set to close to flammable objects, fire are bound to occur. Praying everyone stays safe this winter.

If you find yourself, neighbors, families or friends in a fire, smoke or water situation, please reach out to me. I am a Public Insurance Adjuster. Believe it or not, the insurance company brings out and/or recommends their water and fire restoration technicians who are more likely to handle the claim that benefits the insurance company. I would rather help people get properly restored than to see four weeks down the road getting hired and explaining how furniture should have been trashed rather than stored and “cleaned.” Storage and “cleaning” takes money from the personal property coverage limit leaving you with reduced, little, or no monies to buy replacement items. Four weeks later, there will be no additional removal of damaged material, such as drywall or cabinetry.

I am IICRC Fire & Smoke, as well as Odor certified. I have insurance adjusting and public adjusting licenses. I have a 33-yr. trial paralegal background and am a Senior Claim Law Associate.

Email me or call: [email protected] or 713-565-2067.

Sharon Justice Black
Lady Justice Consulting Group, tipping the scales in your favor!

08/17/2024

Texas Fair Plan (TFP) is a quasi-government agency, like TWIA, which provides the insurance of last resort. The statutes have made these policies ACV policies, not replacement. Think long and hard about that. Your damages get depreciated perhaps up to 50%. You have to pay your large deductible, leaving the majority of the damages on your shoulders to pay.

You only get a TFP policy if your house is in disrepair and at least two other carriers decline you coverage. It is time to get busy fixing your or your family members’ houses. The homeowners policies are not “maintenance” policies. Make this a priority and get busy. Oh yeah, remember to vote smart, so you can have more money to get things done. Just sayin’.

This summary is for informational purposes only and may be subject to change; it is not intended to replace the TFPA Underwriting Manual.