 Perhaps you have found yourself in the following predicament: The siding on your home was recently damaged due to a tornado which produced pea sized hail. The contractor who replaced the siding also inspected the roof and recommended a complete replacement. There are no leaks inside your home nor have you noticed any damage to the roof from ground level. Is it really necessary to replace the entire roof?
Here are a few suggestions to consider when deciding whether to replace your roof from our experienced team of Texas certified Public Adjusters at messtx.com:
Wind and hail resistant roofing products are available which can save up to 30% on your homeowners insurance policy. CALL TODAY: 855-445-3404 RELATED LINKS: www.messtx.com © 2019 MESSTX.com
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Texas has recently experienced an inordinate amount of destructive storms across the state producing hail sizes of all kinds. One resident reported that hail pelted through the roof decking and ceiling of his home, damaging inside kitchen appliances. Several hours later, the hail still measured three inches!
Hail storms of this magnitude require experienced, professional, and licensed insurance adjusters who can adequately determine the loss and compensation per the insurance policy. The team of certified and insured Public Adjusters at messtx.com are professionally trained on insurance laws and will manage every detail of your claim. Unfortunately, unqualified ‘helpers’ are perusing neighborhoods offering repair work. Please be cautious. Texas Policy Holder Advocates have begun a campaign to protect you, the insured, from falling victim by requiring licensing for general contractors and roofers. To learn more, please visit: http://www.texaspolicyholderadvocates.org/ Scroll down to find Support Licensing for Texas General Contractors and Roofers at change.org. The following is a letter that was sent to the Texas Governor, Texas State Senate, and Texas State House in support of this cause and petition:
Texas does not currently license roofers, general contractors, restoration companies, insurance appraisers or umpires. Right now, a criminal who lives outside of the US with no experience can technically operate in any of these roles. Skills and trustworthiness should not be optional. Deceptive advertising, fake licensing and aggressive sales tactics should not be permitted. We are in favor of...
Enforcement of unscrupulous general contractors needs the support of licensing and an oversight of a state agency. In 2014, the Texas Department of Insurance Fraud Unit received approximately 13,341 fraud reports, highest number in the unit's history. Far too many unsuspecting consumers misplace trust with unscrupulous roofers and general contractors that can lead to theft, poor workmanship, insurance fraud, and unnecessary litigation. Fraud, barratry, and unnecessary litigation is costing Texans not only in high insurance premiums but also reduced coverage. The citizens of Texas as well as the legitimate general contractors and roofers whose businesses are based in Texas support licensing. Help us protect the Texas consumer, home and businesses owners. If you think your roof or other areas of your property have been damaged due to severe weather, contact Morgan Elite Specialist Services to hire professional, reliable and trustworthy professional Public Adjusters for your claim settlement! Our certified and professional Public Adjusters will determine if damage has occurred and is covered under your insurance policy. CALL TODAY: 855-445-3404 RELATED LINKS: www.messtx.com © 2019 MESSTX.com How do you know if your roof has been damaged by severe weather such as wind or hail? Until there is a leak, most property owners do not realize that their roof has been damaged by a storm. If your roof is over ten years old, the chances are very likely that it has undergone some weather related damages. Below are a few tips from MESSTX.com to help you determine if your roof has undergone some damages due to severe weather: • Regularly examine the roof so that you can recognize when the condition has changed following a severe storm. This will enable you to prove and accurately document the damage when it happens and will also prevent a more costly leak. • Take photographs of the condition of the roof in its normal wear state and after damage has occurred. This will prevent any debate concerning whether or not the roof was damaged due to severe weather. If an insurance claim is warranted, the photos will provide proof in support of your claim. • Identify the damage. The three major signs of hail damage include bruising, cracking, and granules missing from the asphalt. If the rain gutters were clean before the storm and are filled with mineral granules afterward, there is strong evidence of roof wear and damage due to the hail. Wind alone can also damage a roof. If you think your roof or other areas of your property have been damaged due to severe weather, contact Morgan Elite Specialist Services to hire professional, reliable and trustworthy professional Public Adjusters for your claim settlement! Our certified and professional Public Adjusters will determine if damage has occurred and is covered under your insurance policy. CALL TODAY: 855-445-3404 RELATED LINKS: www.messtx.com © 2019 MESSTX.com  Why should a Realtor use a Public Adjuster? Public Adjusters can help the home owner get top dollar for properties loss on policy related claims. MESSTX.com does this by fully inspecting the property, looking for any damages that may be covered under the property’s insurance policy.
Sell. Properties. Faster. Could it make a difference on how fast or how much money a client might get if the house in question got a new roof and new interior paint? Statistics show, properties that are updated sell faster and for more money. MESSTX.com can help you achieve this. Do you want to work more efficiently? Most people want to work smarter and spend less time to make more money. MESSTX.com can help Realtor’s achieve this goal! Free services for your customer! By having MESSTX.com complete an inspection of every property you have in policy, offer a NEW free service to your customer. You are creating additional value that other Realtor’s may not be taking advantage of. By adding free services, clients will see you as the ‘go to’ Realtor for all of their transactions. No upfront costs. Like Realtor’s, most public adjusters work on a contingency fee. This means that MESSTX.com doesn’t get paid unless they can get the property owner money. For property owners this is a great benefit as there is no upfront cost. Additionally, the property owner will get the money and be able to choose the contractor of their choice to complete the needed repairs. Contact Morgan Elite Specialist Services to hire professional, reliable and trustworthy professional Public Adjusters for your claim settlement! CALL TODAY: 855-445-3404 RELATED LINKS: www.messtx.com © 2019 MESSTX.com  If you live in an area where storms and thunderstorms are likely to occur, the first thing to suffer is your roof. Whether there is a strong wind, hailstorm or even heavy rainfall, the roofing system in your house is likely to endure damages. In such a case, turning to your insurance company may seem like a valid idea.
But before reaching out to your insurance company, it is important to assess the damages caused by wind and hail. Learn more about the signs of these damages below: 1. Shingles in the Patio One of the most common signs of roof damages caused by wind or hail is the appearance of shingles in the patio. Due to pressure from the strong winds, the sides of the shingles are lifted and torn away. As a result, these torn shingles fly and settle down on the patio. How to Detect This Problem? Match the piece of the shingle with your roof. If there is a missing piece on your roof, then the roof of your home is damaged. 2. Granules, Pebbles or Debris Around the Drain Do you see a number of pebbles or granules near the drain? Then this is a sign of damage caused by wind and hailstorms. As the strong winds collide against the roof, granules are dislodged. Since the gutters are adjacent to the roofing, these granules or pebbles often fall in near or around them. How to Detect This Problem? Walk around the gutter. If you see pebbles, granules or shingles, then there is definitely a problem. 3. Dark Spots Another common sign that indicates roof damage includes dark spotting. As discussed above, granules are displaced due to high-pressure winds. As a result, the missing granule or pebbles leave a dark spot behind, indicating a roof system damage. How to Detect This Problem? Observe the roof after a hailstorm. Obvious dark spots around the edges are a sign of wind or hail damage. Once you have assessed and recorded the damages caused by the wind or hailstorm through pictures, you might think of contacting your insurance company for a claim. However, in several situations, they are unlikely to accept or agree with your assessments. This is when you need to contact a Public Adjuster. Who Is a Public Adjuster? A Public Adjuster (PA) is an authorized professional who represents homeowners in cases where insurance companies refuse their settlement. By assessing the roof damages and making agreements with the insurance company, the PA will help you achieve your insurance claim settlement. Why Should You Hire a Public Adjuster? There are several reasons why you should hire a public adjuster, especially when dealing with roof damages. Some of these reasons include:
CALL TODAY: 855-445-3404 RELATED LINKS: www.messtx.com © 2019 MESSTX.com  At times, appraisal may seem the best option in progressing with an insurance property claim. Many policy holders are unfamiliar with this process and we strongly suggest being aware of the following important information before pursuing appraisal:
1. Insurance policies and appraisal – Property insurance policies vary and therefore, so do the appraisal processes. The policy in question should specifically state the manner in which appraisal can be invoked, and the process will ultimately be handled as outlined in the insurance policy. Typically, if coverage cannot be agreed upon by both the insured and the insurance company, then both parties have the right to invoke appraisal. 2. Appraisers - Once appraisal has been invoked and the process is underway, both the insurance company and the policy holder is responsible to hire their own appraiser. The two appraisers will then determine coverage based on their findings and if an amicable agreement is not met, an umpire will be appointed to settle the amount of coverage. 3. Time Factor – Policy holders may think that an insurance appraisal is similar to getting a house appraised for sale. This is not the case, however, and the reality of the insurance appraisal process is that there are many variables to consider which can take anywhere from a few weeks to a few months. These include the scale of damage and the ability of the two appraisers to resolve coverage. 4. Last line of defense – Appraisal is not a last line of defense. When policy holders are not satisfied with the results of an appraisal, they are welcome to bring their case to a first party property attorney. 5. Coverage - Appraisal does not guarantee coverage. In the state of Texas, it is possible for an insurance company to invoke appraisal and then deny coverage after the fact. Our experienced team of public adjusters at Morgan Elite Specialist Services offers honest and professional advice in your best interests and can earn policy holders an additional 200-300% on their claims! If you have experienced a loss, please contact us at 855-445-3404, email claims@messtx.com, or visit www.messtx.com. Please note that while some insurance adjusters and insurance companies are very reputable and ethical in their claim processing, others are not. At times, we discuss difficult scenarios only with the intent to inform the public of situations we deal with on a continual basis as we strive to recognize problems, find solutions, and offer assistance. CALL TODAY: 855-445-3404 RELATED LINKS: www.messtx.com © 2019 MESSTX.com |
MESSTX.comThe team of Public Adjusters at Morgan Elite Specialist Services have over 25 years of experience in the insurance industry. All of our adjusters are licensed and bonded by the Department of Insurance and are required to take continuing education courses annually. Archives
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