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For Storm Victims, Rebuilding Becomes One More Disaster

As the impact of extreme weather intensifies, getting reimbursed by insurers becomes increasingly challenging. As storms, floods, and fires batter homes across the country with heightened intensity, homeowners are increasingly confronting the disaster after the disaster: the fight with insurance companies lasting months or even years for the funds to rebuild. FULL ARTICLE From the Texas […]

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What You Can Do if an Insurer Is Refusing to Pay After You Were Injured in an Accident

If you have been involved in an auto accident or other situation that left you seriously injured, the last thing you need is to have the insurance company deny your claim. When this happens, you suddenly find yourself trying to figure out how to pay your medical bills, replace lost wages, and handle other related […]

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Businesses Thought They Were Covered for the Pandemic. Insurers Say No.

Since the pandemic hit the US this year, thousands of business owners have discovered that the business interruption policies they bought, won’t pay them a thing — just as they are struggling through the biggest business interruption in modern memory. Now, many of them — from proprietors of gyms and dental practices to high-profile restaurateurs […]

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Protecting Yourself From Insurance Fraud

While the digital age has made many aspects of day to day life much easier and more efficient it has also allowed for scams to become more sophisticated and harder to spot. One of the most common types of scams currently being carried out is insurance fraud scams. Here we will look at exactly what […]

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The Political Battle Behind the Dismantling of a Worker Safety Rule

An estimated 11,500 shipyard and construction workers who U.S. regulators say are exposed each year to beryllium: a toxic, carcinogenic element laced through the coal waste often used in abrasive blasting grits. These workers lie at the heart of a little-known regulatory drama unfolding behind the Trump administration’s push to relax safety rules it deems […]

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Be a Savvy Homeowner. Protect Yourself from Bad Faith Insurers By Knowing Your Rights

After any catastrophe you endure, you and your family will want their normal life back as quickly as possible, especially when your home is involved. Regardless of the nature of the disaster, be it a fire, a break-in, or severe weather, a homeowner counts on their insurance policy to help them rebuild. Why else would […]

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Physicians Outraged Because Florida Lowered Quality Standards After Hefty Political Contribution

CNN reports in 2,000 words that a group of pediatric cardiologists in Florida is claiming that the state changed its policy, “putting thousands of children with heart defects at risk,” after Tenet Healthcare contributed $200,000 to Republicans in Florida. One Tenet hospital “had failed to live up to state quality standards for children’s heart surgery,” but […]

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Your Insurance Company—Not Always on Your Side

Most consumers take out property insurance policies with the expectation that when something unexpected happens—a break in, a house fire, a car crash—the policy will cover all or most of the damage and help the insured replace damaged property at no extra expense. In many cases, this is a correct assumption, but when damage and […]

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Four Ways Your Insurance Will Try to Invalidate Your Injury Claim

After paying for months or even years of insurance, everyone hopes that their insurance company or broker will provide them with financial assistance after an accident. Unfortunately, these companies are out to make a profit and this means they want to pay out as little as possible. In these instances, it is not only vital […]

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Texas Homeowners Insurance Rate Increases

I’ve been complaining about the Texas homeowner rate change procedures for as long as I can remember — the system is rigged in favor of insurance companies. An article in the Texas Tribune provides some insight into this seedy business, this time relate to candidate for governor Greg Abbott. Here are the opening paragraphs: As Texas neared […]

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Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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