Karl A. Schulz



(832) 214-3933

(832) 214-3905

Karl A. Schulz is an experienced litigator who serves clients in the insurance industry. In particular, Karl has experience in first party property claims and is widely published on the subject. Karl also serves clients in the transportation industry, including litigation of property damage and personal injury claims, as well as conducting internal investigations.

Karl earned his bachelor’s degree, cum laude, from the University of Southern California, and his Master of Public Administration from California State University, Northridge. He earned his law degree from the University of Houston Law Center. During law school, Karl was a staff editor of the Environmental and Energy Law and Policy Journal

As an active member of the community, Karl leads the Houston office’s charitable activities. 



Major Victories for Insurers in Fifth Circuit Regarding COVID-19 Business Interruption Claims [Property Insurance Law Observer Blog]

January 07, 2022

The Fifth Circuit Court of Appeals has joined seven other Circuits in finding no coverage for COVID-19 business interruption claims.[1]  In Terry Black’s Barbecue, L.L.C. v. State Auto. Mut. Ins. Co., 2022 U.S. App. LEXIS 287 (5th Cir. Jan. 5, 2022) and Aggie Invs., L.L.C. v. Continental Cas. Co.,...

Seventh Circuit Continues String of Insurer Victories in COVID-19 Business Interruption Litigation [Property Insurance Law Observer Blog]

December 21, 2021

At least five Circuit Courts of Appeal have now come out in favor of insurers in COVID-19 business interruption lawsuits.[1] The latest is the Seventh Circuit Court of Appeals in Sandy Point Dental, P.C. v. Cincinnati Ins. Co., 2021 U.S. App. LEXIS 36399 (7th Cir. Dec. 9, 2021). The Court in Sandy...

Tenth Circuit Rules Against Insurer and Decides That Appraisers Can Decide Causation [Property Insurance Law Observer Blog]

October 12, 2021

In the continuing saga of what can and cannot be appraised in a property insurance appraisal, the Tenth Circuit, in contrast to many other courts, has ruled appraisers can determine coverage issues. In Bonbeck Parker, LLC v. Travelers Indem. Co. of Am., 2021 U.S. App. LEXIS 29607 (10th Cir....

Fifth Circuit Weighs in on Aftermath of Texas Supreme Court’s Decisions Affecting Insurers’ Pre-Appraisal Award Payments and Damages under the Texas Prompt Payment of Claims Act [Avoiding Insurance Bad Faith Blog]

August 20, 2021

Just a few short years ago, there was a bright line rule under Texas law concerning appraisal awards. If an insurer timely paid an appraisal award, that payment extinguished all of the insurer’s contractual and extracontractual liability to the insured. See, e.g., Garcia v. State Farm Lloyds, 514...

Court’s Opinion Provides Guidance on Protecting a Claims Handling Manual as a Trade Secret [Property Insurance Law Observer Blog]

November 10, 2020

In Chavez v. Std. Ins. Co., 2020 U.S. Dist. LEXIS 203610 (N.D. Tex. Oct. 30, 2020), Judge David C. Godbey considered a variation on a common scenario that arises in first party cases. Typically, the insured/plaintiff wants an insurer’s claims handling manual to use against the insurer in proving...

New Hurricane Harvey Opinion Provides a Roadmap to Defeating Common Policyholder Attorney Tactics [Property Insurance Law Observer Blog]

April 29, 2020

Policyholders attorneys often try to skip the threshold steps of bringing their client’s claim within coverage and allocating between covered and non-covered causes of loss. Instead, the policyholder attorney would have the insurer first disprove coverage, or at least first justify its...

Texas Supreme Court Follows Through on Barbara Technologies and Ortiz With Three Important New Decisions [Alert]

April 22, 2020

Karl A. Schulz and Stephen P. Pate discuss three recent cases decided by the Texas Suprme Court that revived policyholder suits that were in limbo when Barbara Technologies and Ortiz were decided.

New Texas Laws Take Aim at Common Practice in Storm-Related Repairs [Property Insurance Law Observer Blog]

October 22, 2019

Texas policyholders can no longer cut deals with storm repair contractors to pocket their deductibles for storm repairs.  The Texas Legislature has amended the Texas Insurance Code and Texas Business & Commerce Code, targeting construction companies that offer “free roofs” and “waived...

Texas Federal Court Holds that Named Storm Deductible Applies Even in the Absence of Wind Damage [Property Insurance Law Observer Blog]

May 20, 2019

Judge Nancy Atlas of the Southern District of Texas cut through competing arguments to resolve a high-profile dispute involving a Hurricane Harvey claim through Contract Interpretation 101. Lexington Insurance Company issued a policy to Pan Am Equities, Inc. (Pan Am) covering a property...

Events & Seminars

Past Events

Advanced Insurance Law 2021

October 01, 2021 - San Antonio, TX

Houston Claims Association's February CE Seminar

February 08, 2017 - Houston, TX

Industry Sectors


  • University of Houston Law Center, J.D., 2007
  • California State U.–Northridge, M.P.A., 2003
  • University of Southern California, B.A., cum laude, 1999

Awards & Honors

American Bar Association Military Pro Bono Outstanding Service Award

  • Texas
  • U.S. District Court -- Eastern District of Texas
  • U.S. District Court -- Northern District of Texas
  • U.S. District Court -- Southern District of Texas
  • U.S. District Court -- Western District of Texas