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Dennis Howell Agency

Insurance, United States, Texas, Houston

Protecting what matters most with personalized insurance solutions and exceptional customer service.

About Dennis Howell Agency

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Basics

Type
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Founded
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Total Employees
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Employees on Linkedin
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Employees on OWCareers
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Main Office
United States of America, Texas state
Official Website
http://www.dennishowellagency.com
Location Address Official Phone Email
United States of America, Texas state United States, Texas, Houston **** ****
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FAQs – Dennis Howell Agency

How do co-pays affect my total healthcare costs?

Co-pays help manage healthcare expenses by spreading costs across multiple visits. While they reduce upfront costs for individual visits, they do not replace deductibles or co-insurance, so total out-of-pocket expenses depend on your overall medical needs.


What is the Lloyd’s Act, and why is it important?

The Lloyd’s Act of 1871 formally established Lloyd’s as a corporate entity, providing a legal framework for its operations and governance, ensuring regulatory oversight.


How can I understand all exclusions before purchasing a policy?

Always read the policy document carefully, paying close attention to the exclusions section. Ask your insurer or agent for clarification on any unclear terms. Comparing different policies and consulting with an insurance advisor can help ensure you choose the best coverage for your needs.


Does Workers' Compensation cover long-term disabilities?

Yes, Workers' Compensation can cover long-term or permanent disabilities if the employee's injury results in lasting impairment. It provides benefits to replace lost wages and may help cover long-term medical expenses and rehabilitation.


Can I reinstate a surrendered policy?

Some insurers allow policy reinstatement within a specific period after surrender, but it may require fresh underwriting, additional fees, or medical check-ups.


What happens if I don’t have insurance?

Without insurance, individuals and businesses face financial risk in case of unexpected events. Medical bills, property damage, or liability claims could lead to significant out-of-pocket expenses. Some types of insurance, like auto and health, may be legally required to avoid penalties or fines.


What factors contribute to delays in claim settlements?

Claim settlement delays can be caused by incomplete documentation, policy interpretation issues, fraud investigations, legal disputes, and inefficient processing systems that slow down approvals.


What is a deductible in an insurance claim?

A deductible is the amount the policyholder must pay out-of-pocket before the insurer covers the remaining claim costs.


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