Try it this way:
HTML
this text should be displayed if bg image is not loaded
CSS
.iHaveBgImage { background-image:
url('https://s31.postimg.org/yqv51r5xn/6936671_hd_wallpapers_for_ipad.jpg');
color:red;
}
.iHaveBgImage > p {
position: relative;
z-index: -1;
}
Works perfectly https://jsfiddle.net/s0gt2eng/