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The holidays are here! There is a nice chill in the air, the decorations are up, and you are ready for a cheerful season filled with family, gift giving, and fun parties!
Unfortunately, this is also the time of year when theft is rampant. Take some time to protect your property with the following preventive measures to help ensure a smooth holiday season: 1. Review your renter or homeowner policy: Nearly all policies contain a personal property clause with a designated limit of coverage to which the holder agreed upon when the policy was created. We strongly suggest reviewing your limits to make sure there is adequate coverage to safeguard the valuables in your home, including big ticket items. Please note that money, jewels, and bullion are not typically covered. If needed, add endorsements to protect these valuables or have them insured separately. 2. Take pictures: It is always best to take pictures of your belongings, including the serial number of electronics. This will help provide proof of loss if there is need to file a claim. 3. Install motion sensor floodlights: Christmas lights do not typically deter thieves but motion sensor floodlights do! Even spotlights in the yard that cast light on your home will do a great job protecting your property against theft. 4. Set up a camera system: Camera systems are very affordable in today’s market. Not only will this add another dimension of security, it may also provide a discount on your insurance. Our team of Texas licensed public adjusters understand the fear and difficulty of dealing with theft. If you are seeking a claim or your insurance company offers little to no coverage, we are happy to evaluate your situation and give an honest and professional opinion. Call Morgan Elite Specialist Services today at 855-445-3404! RELATED LINKS: www.messtx.com © 2017 MESSTX.com
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 Let’s face it, to us at Morgan Elite Specialist Services and policy holders alike, public insurance adjusters are the holy grail of insurance agency secrets. Perhaps not for some insurance companies but that is a moot point. Why? Because if all insurance companies fulfilled their legal obligations, there would literally be no need for our business but here we are! You may be itching to call us and see what this hoopla is all about, what we offer, and if you would truly benefit from our public adjusting services.
Our Mission Our mission is to protect your interests and ensure you receive adequate compensation for incurred losses per insurance policy. Nothing more, nothing less! There are many different variables in any given insurance claim and each one must be evaluated and determined based on its own merits. Public Adjusters Our licensed and experienced public adjusters are professional experts on property loss adjustment who can be hired to assist in preparing, filing, and adjusting insurance claims. They can negotiate a claim on your behalf prior to filing, when your claim is denied, when your claim is underpaid, or anytime during the claim process. In the event that you have already filed an insurance claim without enlisting the services of a public adjuster and your insurance company has not yet made a determination on your claim, we advise you to wait. If you feel that their offer is fair compensation for your incurred damages, there is no reason to hire us. However, if your claim is denied or underpaid because the damages do not or barely exceed your deductible, please call us! There is an excellent chance you could benefit from our services. Property Managers If you are a property manager and have claims that you intend on filing or have a multitude of existing claims, please call us! We can ease your mind and spare you and/or your employees from being overburdened by streamlining and managing these claims for you from start to finish, including negotiations and the correct paperwork to ensure they are handled efficiently, appropriately, and according to law. Our team of professional and experienced public adjusters at Morgan Elite Specialist Services represent your best interests and work for YOU! Please do not hesitate to give us a call for further information at 855-455-3404. RELATED LINKS: www.messtx.com © 2017 MESSTX.com Hurricane Irma and Harvey have come and gone but we are now dealing with the residual effects, including higher property insurance premiums.
Large Scale Catastrophes According to projections, a majority of property and auto insurance rates will rise in order for insurance companies to mitigate risks. The extensive and expensive damages caused by these large scale catastrophes may also effect states across the gulf and east coast. Retaliation Will insurance companies raise the rates of a policy holder as a result of filing a claim? This question is certainly a concern for our clients as well as the public. Absolutely not! If there is irrefutable evidence that this is the case, the insurance company is breaking the law and should be reported to the Texas Department of Insurance at 1-877-281-1431. Every policy holder has the right to file a claim in order to be indemnified (made whole) and restore the property to the way it was prior to the covered loss, regardless of how long the policy has been in place. Coverage Double check your insurance coverage! Many policy holders experience sticker shock at the price of the deductible when filing a claim, which is sometimes a direct correlation between the cost of their premiums and the amount of coverage. For example, if a policyholder would like ample coverage for a sizable home but desires a smaller premium, then a larger deductible will likely be required when filing a claim. Vice versa, if a policyholder pays a larger premium for the same coverage, then the deductible will likely be smaller when filing a claim. Every insurance policy is different, however, and must be evaluated based on individual content and the needs of the policyholder. Always consult with your insurance company or broker regarding the contents of your policy to be aware of coverage and cost. Our team of Texas licensed public adjusters are qualified to provide professional service! Call Morgan Elite Specialist Services today for additional information or questions regarding your personal situation at 855-455-3404. RELATED LINKS:www.messtx.com © 2017 MESSTX.com  Dealing with a loss and the ensuing claim following a calamity such as Hurricane Harvey can be a very overwhelming, confusing, and emotional experience.
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! RELATED LINKS: www.messtx.com © 2017 MESSTX.com 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.
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! RELATED LINKS: www.messtx.com © 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:
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! 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 |
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