​Builder's Risk Insurance is intended to cover/protect materials, equipment, and other named property associated with job sites during construction. The following is a list of five areas that are covered in most Builder's Risk insurance policies:
 
1. Natural and man-made disasters: Damage from severe storms, hail, fire, black outs,
    broken water mains, etc.
 
2. Property damage: Damage to construction materials, fencing, scaffolding,    
    equipment and heavy machinery, temporary structures, landscaping, signs, etc.
 
3. Theft: Policies including theft from the construction site may require a gated worksite for
    this particular coverage.
 
4. Labor expenses: Replaces lost labor expenses and income.
 
5. Miscellaneous damages: Flawed construction materials, inadequate design, poor     
    craftsmanship, etc.
​
Builders Risk Insurance is crucial, especially when construction materials in use are exposed or the construction site is located in an area with a high risk of bad weather or theft. This coverage is usually measured in monthly increments and, in some cases, can be extended at least once if necessary.
We would love to hear from you! If there are any questions, please do not hesitate to either leave a comment here or reach us directly by clicking on the 'Contact Us' tab at the top of the page. 

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​Morgan Elite Specialist Services is a public adjusting firm who oversees all aspects of an insurance claim process in behalf of the policyholder. We strive to ensure a prompt and fair settlement while relieving the insured of the time consuming and difficult matters involved with filing a claim.
Typically, the claims process includes a variety of tasks; filing the claim, proof of loss, scheduled meetings with the insurance adjuster, and constant communication with the insurance company regarding various elements of the claim. Our certified and professional public adjusters will completely manage your claim from beginning to end, even if it has already been started.

Here are six ways we work for you, the policyholder:
​
1.    Prepare paperwork, forms, and inventories: The tasks required for a claim take a
        tremendous amount of your valuable time. Our staff takes care of everything for you!
 
2.    Re-establish your home or business: We take care of every detail and issue of your claim
       so you may concentrate on the more important matters of restoring your home or
       business.
 
3.    Manage contacts: Our firm will direct meetings and phone calls with contractors, your
       insurance company adjuster, and all other related parties.
 
4.    Minimize frustration: Morgan Elite Specialist Services gladly takes the burden of
applying your policy coverage to the damage/loss associated with your claim. Our
experienced public adjusters are policy experts with extensive knowledge of the
insurance industry and claims process.
 
5.    Assist business owners in making ‘new money’ rather than chasing ‘old money’.
 
6.    Negotiate: There are many ‘gray areas’ in the claims process which are subject to
       negotiation. Our knowledgeable public adjusters will provide the optimum opportunity
       for a maximum return based on policy provisions.
 
These tried and true reasons for why we work are a brief overview of our capability to assist policyholders. Our skilled public adjusters often discover damages that have been overlooked and are dedicated to protecting your interests, preparing and presenting your claim to the insurance company, and negotiating an adequate settlement.
Do not let the opportunity to be justly indemnified for loss/damage to your residence or business pass by! For your convenience, Morgan Elite Specialist Services offers free evaluations and consultations to policyholders. 

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Hi, my name is Stephanie (s t eh-f uh-n ee), I'm a certified Texas Public Adjuster. Go ahead, look me up, I dare you. What that means, in relatable terms, is that I'm kind of like the insurance adjuster your insurance company sends out when you file a claim. The main difference is that, I don't work for the insurance company! I'm not bound by bureaucratic red tape or have a manager breathing down my neck about company policy because, I'm a free agent! I really work for the likes of you, policy holders! My main goal here is to provide you with invaluable information and assistance in things insurance related because, well, no one likes insurance. Having to translate policy language is yucky. Not knowing what you can call your insurance company out on, if you're being treated fairly, the list goes on and at the end of it all you may feel like you've gotten yourself into a snake pit. Nay, no more pits! View this as a sign from above. My team and I are here for you!
 
Today, I'm going to talk to you about Supplemental Claims. Look, I know it sounds very boring but I'm going to make it quick. What's a supplemental claim, you might ask? My insurance company or their representatives never mentioned this to me before! (If they have, you're a lucky bird). If they haven't mentioned supplemental claims, that's not very good. In my personal opinion, insurance companies will sometimes not offer information like this unless expressly asked and/or you'll have to dig for it in the fine print of any documentation they have provided you. Even then, it's hard to interpret. At any rate, that's why I'm here, to get people in the know.
 
Moving on to supplemental claims, what are they and how can they help insureds? Well, let’s start from the beginning. Typically, starting off, a claimant will call their insurance company, file their claim, if the damage is covered, the insurance company issues payment for the estimated damage. Depending on the policy, a claimant will be able to submit confirmation of the work done for Recoverable Depreciation and then call it a day. Whew!
 
But, sometimes, and this is where supplemental claims come in, things happen and people will find additional (hidden) damages to their home while repairs are being done. Or, down the road, claimants find damage that is a result of the original damage or loss covered under the claim.
 
Hold the phone! Insurance companies have to cover these types of damages, you might ask? HO HO HO, you bet your sweet dinner buns they do!
 
Look, at the end of the day, everything, and I mean everything is circumstantial and largely dependent on your individual policy and what's happened with your claim, if there is one. It's hard, difficult and just plain awful to deal with insurance, policy, and just thinking of filing a claim. I know, I work in this industry every day! I don't like the way it's run. So, I'm here to help bring some sort of normalcy and order back into this realm of legal jargon and general hoopla.

If you have any question, ask us! We give free (yes, you read that right, free) consultations! Just send us a copy of your policy and a few words describing what's going on in your situation and we'll help you! Promise. We are a large team of certified, bonded, and licensed public adjusters!!
 
Disclaimer: Any similarities to actual attitudes and/or practices of insurance companies are purely coincidental...but if the shoe fits... you may want to re-think your business practices. All content provided on this blog is for informational purposes only. The owner of this blog or Morgan Elite Specialist Services, LLC will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information
​
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