Though our office does not generally practice in the area of avoiding foreclosure, we have consulted with some clients here in Houston who have avoided foreclosure of both personal and investment real estate. Generally, they have done so by doing a few things: 1. Staying interested in the property. No matter how poorly certain collectors... Read More

Typically when one is sued by the holder of an unsecured note (credit card, medical bill etc.), it is often best to try to contact the company who is suing. Contact the plaintiff, and you can usually count on one of two offers: 1. A lump sum settlement, wherein you will pay all at once.... Read More

Insurance in Houston, be it commercial, personal or homeowner’s, is not much different than insurance in other cities when it comes to duties of an insured. Some people mistakenly think that their only duty as an insured is to pay their bill. When you buy an insurance policy, you also agree to other things but... Read More

At Chavana Insurance, we offer Progressive Insurance, along with dozens of other carriers, for personal or commercial atuo. This is what Progressive says about gap insurance. Call the Chavana Office for a quote 713-695-3072: When you purchase a new car, you’ll probably be asked if you want to purchase gap insurance. Both lenders and auto... Read More

There have been numerous reports on Houston and Harris county real estate scams. Most include potential renters or cash buyers. Some are related to propety deed scams. Many are related to deals on craigslist. Before giving even a dollar for deposit or rent, make sure that you verify the person that you are dealing with.... Read More

Many, if not most, policies exclude coverage for vacant homes. If you have a home in which nobody is living (usually for more than 60 days) consider getting special vacant coverage for your home. It could save you a great deal of problems if you ever need to file a claim.

Did you know that you have to wait 30 days from the date of application to get flood insurance? Some exceptions apply, such as if it is required by your mortgagee or if you are closing a purchase. Even so, don’t wait a few days before a flood and expect to but it. Buy it... Read More

Did you know that the State of Texas offers wind insurance to people who can’t find wind insurance through private insurers. TWIA, The Texas Windstorm Insurance Agency, was created to cover homes and businesses who could not find wind and hurricane insurance.

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