Dealing with a loss and the ensuing claim following a calamity such as Hurricane Harvey can be a very overwhelming, confusing, and emotional experience.
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Our team of licensed and experienced public adjusters at Morgan Elite Specialist Services are policy experts with extensive knowledge of the claims process and here are the answers to some basic questions that have been asked on a daily basis since the storm:

Where do flood insurance policies come from?
The majority of flood insurance policies come from the National Flood Insurance Program (NFIP). Regardless of whether you purchase a flood policy from a well-known insurance company or an unknown underwriter found by your insurance broker, both entities will most likely obtain the policy in your behalf from the NFIP. While some insurance companies can write their own flood policies, the coverage is basically the same as the NFIP.  

Who is working the flood claims for the NFIP?
The NFIP is a federal program managed by the Federal Emergency Management Administration (FEMA). Therefore, claims on your flood insurance will be assessed by a FEMA adjuster.  

What if I do not have flood insurance?
Assistance in the form of a small business loan for disaster relief may be obtained through FEMA.  

What is a reserve and do I automatically receive one for my flood claim?
A reserve is funding that an insurance company has the ability to release when enough obvious damage is noted at first sight and money is needed to immediately begin repairs. A reserve can be issued for any type of insurance claim but is never guaranteed and is applied appropriately to the settlement of the claim.
For example: A claim is given a $15,000 reserve. After the claim has been processed, the insurance company agrees to pay $30,000 for the overall damages. The policy holder receives a final payout of $15,000 as the reserve is subtracted from the balance.

Morgan Elite Specialist Services is dedicated to assisting policy holders during this difficult time and our main concern is protecting their interests and ensuring adequate compensation per loss and policy.
We help with filing claims as well as denied or underpaid claims and our fees are contingency based so if we do not recover your claim money, there is no charge for our services. Call today for more information!

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​The enormity of Hurricane Harvey taught us that anything can happen and change our lives in an instant. At the last minute, Harvey went from a category 3 to a category 4 and coupled with a coincidental air system, causing the storm to remain stationary just long enough to dump trillions of gallons of water onto Houston and the surrounding areas. We have previously discussed ways to prepare ourselves as homeowners and remain safe during emergency situations but it is critical to review this information in light of recent and ongoing catastrophic events.

• Evacuation Plan: Establish an evacuation route and leave as soon as possible in the event of a hurricane or other emergency. If there is a possibility of flooding  and you are unable to technically ‘evacuate’, find higher ground in the form of any place you can stay such as a shelter or the homes of family and friends.

 

• Insurance: If you do not have flood insurance and live in Houston or the surrounding areas, we offer a professional suggestion - get flood insurance as soon as feasible. Flood insurance is purchased through the National Flood Insurance Program (NFIP), even when obtained through an insurance provider. Although some areas are definitely at more risk than others, every area in the United States is considered to be in a floodplain and NFIP is available to everyone. Once enrolled, it takes 30 days for flood insurance to take effect.

 

• Important documents and valuables: Store your most precious valuables, pictures, and important documents in accessible, waterproof, ‘ready to go’ containers that can easily be transported in a moment’s notice.  Excessive rainfall or flooding often leave little time to gather these items which can be difficult to replace. 

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Our team of licensed and experienced public adjusters at Morgan Elite Specialist Services care and are concerned about you, your situation, and insurance claim. Unfortunately, insurance companies are finding ways to deter their responsibilities and denied claims are on the rise. Our adjusters are policy experts with extensive knowledge of the claims process and will professionally manage your claim process from start to finish. Consultations are always free of charge as well as initial inspections if time permits during this period of upheaval. On average, our clients receive 30% more compensation. Call today! 

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​© 2017 MESSTX.com   

Hurricane Harvey was truly an unexpected storm which left behind widespread devastation across the entire Texas Gulf Coast. As a result, many home and property owners are filing claims with insurance companies who are already overbooked and overworked due to the disaster.
 
What can be done to safeguard policy holders and ensure their claims are handled in a fair and timely manner? An excellent option is to hire a public adjuster! Many insureds are not aware of the services public adjusters offer and here are a few key factors and benefits:

• Public adjusters work solely in behalf of policy holders: Public adjusters do not work for insurance companies. Rather, they are hired by insured clients to work on their behalf in preparing and presenting each claim to the respective insurance company and negotiating a settlement.

• Public adjusters are legal: According to Texas law, only the insurance policy holder or a hired public adjuster is allowed to negotiate a claim. Stay on the alert!! Contractors are allowed to refer policy holders to public adjusters. However, if a contractor or roofer state that they can handle a claim on behalf of a policy holder, they are not being truthful and are breaking the law.

• Public Adjusters must be licensed in the state of Texas: Licenses can be verified on the Texas Department of Insurance website to verify credentials.  

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Our licensed and professional team of public adjusters at Morgan Elite Specialist Services work exclusively for policy holders and have their best interests in mind and at heart. On average, our clients receive 30% more compensation on their claims and our services are based on a contingency fee. If we do not earn you any money, you do not owe us anything!
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We assist with home and flood insurance claims, open claims, and denied or underpaid claims.  Policyholders have nothing to lose and much more to gain when utilizing our services. Inspections and consultations are always free of charge. Call today! 

RELATED LINKS: www.messtx.com ​
© 2017 MESSTX.com     

The current and future economic damage caused by Hurricane Harvey is projected to be over an astounding 100 billion dollars, proving to be the nation’s costliest storm to date. Getting back to normal will take time and effort but together we are strong and the great state of Texas will move forward with the support of family, friends, neighbors, and our great communities! Here is some important information to consider when dealing with the aftermath of the damaging storm:
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• Insurance claims: File a claim right away if your property was flooded and you have flood insurance. The sooner the better and although delays are likely, your insurance company will do its best to inspect your property and file a claim in a timely manner.
• Federal Emergency Management Agency (FEMA):  If you do not have flood insurance, your next option is support from FEMA. The agency will help determine if your property is located in a designated disaster area and if you qualify for a low interest loan to repair your property. Visit www.disasterassistance.gov for a list of federally declared disasters, agricultural assistance, and other valuable information.
• Documentation: Whenever possible, share pictures of your property and belongings before, during, and after the storm with your insurance company, FEMA, or anyone else who may analyze your property. Pictures help adjusters determine coverage and compensation and will support a strong case in your favor. 
• Morgan Elite Specialist Services: We can help! Our team of certified public adjusters understand how overwhelming Hurricane Harvey has been and the emotional and physically draining process of dealing with loss, filing a claim, and rebuilding. We work exclusively for policy holders and ensure that insurance companies compensate fairly and according to policy.

We comprehensively look at each policy and determine the best course of action for every claim. Our experienced public adjusters offer peace of mind and the assurance that your claim will be professionally managed from start to finish and resolved with your insurance company. On average, our clients receive 30% more compensation when utilizing our services. Consultations and inspections are always free of charge, call today!

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