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

Texas is experiencing record temperatures across the state and it is not even the hottest month of the summer yet! Here is a friendly reminder to be on the alert during this extreme heat and take the following precautions:
 

• Stay hydrated: Ensure you and your loved ones drink plenty of fluids and stay cool throughout the day! Heat stroke, fatigue, heat cramps, and other heat-related maladies can easily occur. 

 

• Conserve energy: High heat indexes can cause power outages. Although the heat does not directly affect the electric infrastructure, the strain of mass usage may cause transformers to blow and result in power failures. Keep cool but also conserve energy and run systems only as needed and necessary.

 

• Be cautious: Never leave unattended children in or around vehicles to avoid the possibility of getting locked in and always double check to make sure that all children are out when leaving. Temperatures rise very quickly and become dangerous inside vehicles.  

 
Have a safe and enjoyable summer!
 
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
​© 2018 MESSTX.com

5-10-18
Morgan Elite Specialist Services
855-445-3404
 
PRESS RELEASE
 
Better Business Bureau Recognizes
Morgan Elite Specialist Services with Winner of Distinction Award
 
            In recognizing businesses and nonprofits for their achievements and commitment to quality in the workplace, Morgan Elite Specialist Services was one of 285 companies recognized at the annual Better Business Bureau Awards of Excellence on May 9, 2018.   Recognized as a Awards for Excellence this was the first time to be recognized by the Better Business Bureau for service excellence.
​
            When asked what it means to Morgan Elite Specialist Services to receive this recognition, Matthew Morgan-Managing Partner, states, “We work hard to provide top notch service to our customers and clients and it is an honor to be recognized for our efforts.”

​CALL TODAY: 855-445-3404

 ​​RELATED LINKS: ​www.messtx.com
​© 2018 MESSTX.com

Unfortunately, Houston and the southeast Texas regions have experienced an onslaught of severe weather such as hail, high winds, and tornadoes in the past few weeks!

While some storm damage may be extremely obvious such as fallen fences or downed trees, other damage may not be apparent until later. For example, a roof may sustain heavy damage that will not become evident until new water leaks or stains appear on the ceiling.

Here are some suggestions to help identify storm-related damage without actually inspecting the roof

* Windows: Inspect screen covers and window beatings. Chips, patterned chunks of missing window beatings, and patterned holes in screens may indicate hail damage.

* Gutters: Patterned dents in gutters and other soft metals often signify hail damage.

* Siding: In more serious and extreme storms, hail has been known to impale soft siding and even take chunks out of brick siding.

If you have experienced storm-related damage such as above and your insurance company has denied or under-valued your claim, please call Morgan Elite Specialist Services!

Our knowledgeable team of public adjusters offers honest and professional advice in your best interests and can earn policyholders an additional 200-300% on their claims! Contact us today at 855-445-3404, email claims@messtx.com, or visit our website at www.messtx.com.

Please note that while many insurance companies are very reputable and ethical in their claim processing, others are not. We discuss difficult scenarios only to inform the public of situations we deal with on a frequent basis and continually strive to recognize problems, find solutions, and offer assistance.

CALL TODAY: 855-445-3404

 ​​RELATED LINKS: ​www.messtx.com
​© 2018 MESSTX.com

All of the public adjusters on our excellent team at Morgan Elite Specialist Services are extremely valued in their own unique way. Together, we pool our particular talents and expertise to provide excellent service and the best claim experience as possible for our clients.

This month we would like to introduce our great team member, Corey! He works in Houston and the surrounding areas and this is his story:

Hi, my name is Corey and I live in the Southwest Houston area. I have been a public adjuster for two years and chose this profession to help people.

One of the more challenging aspects of my job is seeing policy holders that are not taken care of by their insurance companies when coverage is obviously warranted. On the other hand, the most fulfilling part of my job is when an insurance company realizes their neglect and with my help, we are able to reach a fair settlement and repair the insured’s property.

A memorable experience for me was being able to negotiate a fair settlement following denial only two days after the re-inspection with the insurance company.

There is an important element I would like the public to know about this industry and my work; without physical evidence that your home has sustained storm related damages caused by a peril covered under the policy language, your insurance company has a right to deny or undervalue your home.

To clarify, it is crucial to take a lot of pictures of your loss and prevent any further damage to your home (tarp, etc.). If you remove damaged property, try to save it and never fully repair your home until you have completely agreed upon a fair settlement value for the claim with your insurance company.

Our knowledgeable team of public adjusters at Morgan Elite Specialist Services offer honest and professional advice in your best interest and can earn policyholders an additional 200-300% on their claims! Call us today at 855-445-3404 or email claims@messtx.com.

It is important to note that some insurance companies are very reputable and ethical in their claim processing while others are not. At times we speak of difficult scenarios to inform the public of situations we deal with on a continual basis and we strive to recognize the problems, find solutions, and offer assistance.

​CALL TODAY: 855-445-3404

 ​​RELATED LINKS: ​www.messtx.com
​© 2018 MESSTX.com