. Hanson Prod. Co. v. Americas Ins. Co., 108 F.3d 627, 630 (5th Cir.I997) (relying on Hernandez v. Gulf Group Lloyds, 875 S.W.2d 691, 692-92 (Tex.1994) in holding that, where an in- surer is not prejudiced by a breach, the breach is not material, the insurer has not been deprived of the benefit of