Who is on your team during your insurance claim???

Texas Residents and Property Owners, the stakes are way too high when it comes to handling an insurance claim.

You cannot afford to have your “team” lose.

When it comes to your insurance coverage…no matter what kind of insurance…you need to have a team. But…

WHO DO YOU HAVE ON YOUR TEAM?

The insurance company has well trained adjusters who are experts in the claims process.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has well trained claims examiners who are experts on reading and interpreting YOUR insurance contract.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has staff attorneys that can answer their questions if a legal issue comes up in your claim. The company will hire the best trial lawyers money can buy to defend the insurance company in court if your claim goes to trial.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has Training and Compliance experts to make sure that the claim is handled correctly, and according to the state statutes where the loss occurred.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has forensic engineers at its disposal, who will make engineering inspections and write reports for them.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has forensic accountants at its disposal. These are accounting experts who can evaluate a complicated loss, like a luxury home or a business income loss.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has personal property replacement companies at its disposal. These companies give super low prices to insurance companies on everything from automobiles to electronics to jewelry, and everything in between. You’ll probably have to pay retail.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has salvage companies at its disposal, in order to take damaged goods and sell them, thereby recovering some of the money the insurance company paid in your claim.

DO YOU HAVE ANYONE LIKE THAT ON YOUR TEAM?

The insurance company has private investigators at its disposal. These people will perform background checks, neighborhood interviews, public records searches, even conduct surveillance of YOU at home and at work.

BUT, WHO DO YOU HAVE ON YOUR TEAM?

DO YOU EVEN HAVE A TEAM?

DO YOU THINK THAT YOU MAY BE AT A HUGE DISADVANTAGE?

Keep reading…your disadvantage is just about to disappear!!!

If you have an insurance claim problem right now, and need some direction on what to do, please contact us at 469-906-2600. We will do whatever I can to help you.

WWW.ROOFINGPROTX.COM

Various Myths About Filing an Insurance Hail Damage Claim for Your Roof

When a hail storm hits, there can be lots of confusion. Don’t get fooled into believing the hype. Here are the top 5 myths that we hear about insurance claims due to hail damage.

1. You are swindling your insurance company.

Regardless of what you think or what a contractor tells you, a representative of your insurance company makes the final determination of whether your property has been damaged by hail. They will also determine whether they are paying for part, whole, or none of the replacement of your roof.

2. Your insurance premium will go up if you file a claim.

This is actually a true and false situation. Storm damage is an act of nature. By rule your insurance premium should not go up if you file a claim for damage that is deemed an act of nature. However, property-owner insurance premiums are determined by geographic area. If there is a large number of claims in your area, your premium will probably be going up anyway. So, are you going to pay for your neighbor’s roof and not get one yourself?

3. I don’t see hail damage on my roof so I don’t have it.

Some hail damage is obvious, some not so much. When hailstones hit an asphalt shingle it knocks off the protective gravel that shields the tar of your roof shingles from the sun’s UV damaging rays. In many cases, when this initially happens, it is difficult to see the damage. But as time, weather, and UV rays deteriorate the area where the hail hit your shingles, the damage becomes very obvious. Unfortunately, this may take several years and will put you past the time you can file an insurance claim for the damage, which is generally 1 year from the storm date.

4. My insurance company came out and said I don’t have damage, so I don’t have damage.

Understand that your insurance company is not always your friend. Insurance companies, with a few exceptions, are public traded companies that have investors. Most property owners are fooled into thinking their insurance companies work for them. Insurance companies work for their investors. It is in their best interest to deny claims. Less paid out claims equals more profits equals happier investors. You get the picture.

5. I don’t need a contractor, I can file my claim myself.

Famous last works for sure. You don’t need a contractor until you need a contractor because your insurance company only bought half your roof or denied your claim all together. The problem is, it becomes much more difficult to work with your insurance company after your claim has been adjusted the first time. It is in your best interest to work with an experienced restoration contractor from the very beginning of the process.

If you suspect that you have hail damage to your property call the Experts at Roofing Professionals of Texas. We have been helping Texas property owners restore their properties after damaging storms for over 25 years.

What makes Roofing Professionals of Texas different than all other roofing contractors out there:  experience and expertise. Roofing Professionals of Texas knows the ins and outs of insurance restoration so you will have the best chance of getting your claim approved. If your claim has been denied or only partially bought, we know how to work with your insurance company to get the work done.

And best of all, we handle everything for you. From filing your claim the right way to final clean up after the project is complete, Roofing Professionals of Texas makes the process as painless and easy as possible.

Concerned about quality? You should be! Roofing Professionals of Texas has been voted the best roofing and siding contractor in Texas 4 of the last 5 years.

So what are you waiting for, call us today! (469) 906-2600

Say "Thank you" to your team of Professionals

We at Roofing Professionals of Texas would like you, our consumer base, to be aware of who will be at your home or place of business in reference  to your roofing needs.  Below is a list of our in house staff that will likely respond to your roofing needs:

Vice President
Residential Construction

Victoria Tarkowski
469-331-6080

Director of Claims

VACANT
469-906-2600 Ext. 102

OC Steep Slope, Quality Control 

Joseph Hester, Field Technical Specialist
Product and Programs, Roofing R&A Asphalt (west central)
214-636-4365

Quality Control/Punch Mechanic

Legal/Code Complaince

Joshiwa Justiin, III
469-298-9908

Chief Counsel

Michael Cramer
469-298-9908

Project Manager

Project Manager 

Debra Harris

(Asst. Project Manager)

469-906-2600

President
Commercial Construction 

Freddie Reinwald
469-906-2600

Contract Consultant

Shane K. Clement
469-298-9908

Accounting Department

To accommodate our deaf consumer base we have retained 

an in house Sign Language Interpreter and Instructor

Paul J.

469-906-2600

469-906-2600

www.roofingprotx.com

Roofing Professionals of Texas provides you with reliable roofing services and professionally warrantied work. You've got endless choices when in it comes to roofers, so you want to make sure you hire the right team. You can rest easy knowing that we do exceptional work that is timely and affordable.

Roofing Professionals of Texas 

469-906-2600 

www.roofingprotx.com

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When Insurance Adjusters Can Be Liable for Errors & Omissions

According to our attorneys, they say ‘Yes’. Insurance adjusters in Texas can be liable for independent acts, errors and omissions (E&O) when they violate insurance codes, breach contracts or negligently handle claims. The primary reason for this is that insurance adjusters, who are trustees, have specific duties and obligations to fulfill when investigating and processing a claim. Failing to honor these duties can open adjusters up to liability and lawsuits.  We are not attorneys.  We are not adjusters.  We are roofing contractors who guide and navigate the chaos and headache for you.

It’s important to note that this liability is not limited to company adjusters (i.e., adjusters who are staff of insurance companies). It can also impact independent and public adjusters.

If you believe an insurance adjuster has made an error or omission that compromised your claim, contact Roofing Professionals of Texas.

We have decades of experience handling thousands of insurance claims on behalf of consumers. Perseverant, enthusiastic, diligent and relentless… we have the skills, knowledge and resources to effectively prevent bad faith insurance practices and help our clients get what is owed to them. We are ready to explain your options during your free consultation.

Has an insurer undercut, compromised or denied your valid hail damage claim?

Adjusters’ errors and omissions can take many forms, some of the most common of which include:

1.    Failing to acknowledge the claim – Adjusters are legally required to promptly respond to new claim submissions and communications regarding the claim. Ignoring claims and failing to communicate with the claimant can constitute an unfair settlement practice for which an adjuster can be liable.

2.    Making misleading or false statements – Written or oral statements an adjuster makes to deceive a contractor or policyholder can open the adjuster up to liability. These statements are typically made in an effort to undercut or deny the claim – or to get a policyholder to withdraw the claim. For example, insurance adjusters may make misleading or deceptive statements like (but not exclusive to):

·         The policy doesn’t cover the damage associated with the claim, despite the fact that the damage IS covered.

·         The policy only covers part of the damage and necessary repairs, despite the fact that all of the repair costs (including O&P) SHOULD BE covered per the policy.

·         You need to accept this settlement offer because it’s the best you’ll get, despite the fact that claim IS worth more and that negotiating IS a viable option.

·         You don’t need to or shouldn’t retain a lawyer because a lawyer can’t help you, despite the fact that an attorney CAN help you protect your rights, interests and claim.

3.    Failing to provide complete, accurate claim information to the provider – When a property damage claim is submitted, the insurance adjuster should collect certain information as part of the claims process. This information should then be promptly and accurately passed onto the insurance provider. Failing to collect all of the necessary information or failing to accurately provide all of the necessary information to the insurance provider can be the basis of an E&O claim against the adjuster.

4.    Failing to meet claim deadlines – Property damage claims (like many other types of insurance claims) are time sensitive. If the adjuster misses a filing deadline for a claim (for any reason), that adjuster can be held accountable for the error.

5.    Breaching the contract – The insurance policy is a contract between the policyholder and the insurance provider. Although the adjuster is not specifically a party to the contract, (s)he can be personally liable for mishandling the claim. For example, when an adjuster fails to reasonably investigate a claim or when (s)he relies on unqualified “experts” to assist in the claims investigation, (s)he can be liable for breach of contract.

It’s important to point out that these are not the only ways in which insurance adjusters may open themselves up to E&O liability.

4 Red Flags You May Have an Errors & Omission Claim against an Insurance Adjuster

Here are a few common warning signs that an adjuster may have been professionally negligent in handling your claim:

1.    The adjuster is unresponsive to your claim submission or fails to promptly respond to any of your inquiries regarding the claim.

2.    The adjuster uses ambiguous, convoluted or conflicting language when explaining your coverage or the claims process.

3.    The adjuster uses high-pressure tactics to try to coerce you into accepting a low settlement offer.

4.    The adjuster denies your claim without providing any (or a valid reason) for the denial in writing.

If you have experienced any of these (or other) questionable incidents when dealing with your insurance adjuster, contact Roofing Professionals of Texas to provide you with a no cost assessment.

Contractor & adjuster scams

It can happen to anyone... Hurricanes, tornados, hail or fires can leave your home and business in ruins. You want to get back on your feet quickly.

But a disaster also lures crooked building contractors and public insurance adjusters. They'll exploit the confusion and emergency conditions to try and fleece you and your insurance policy.

Most contractors and public adjusters are honest. But know the warning signs of a swindle — and how to fight back.

Just as important, don't try to inflate or fake insurance claims yourself. Jail time, fines, humiliation, and separation from your family and friends — it's a big price for trying to scam a few insurance dollars.

Contracting with contractors

Don't pay for bids. Crooked contractors may simply take your money and disappear. Most reputable contractors won't charge you simply for bidding on your repair work.

Local contractors. Use established local contractors, if possible. But... be careful if the contractor arrives in an unmarked vehicle, seeks your repair work door-to-door, or tries to cut costs by using materials "from another job." These contractors may be unlicensed, dishonest and untrained transients from another state.

• Often they'll use low-grade material.

• Their work may be shoddy and even dangerous.

• They may disappear with your money after finishing only part of the job, or not doing any work.

Look professional? Does the contractor have professional-looking business cards and letterhead? If not, you could be dealing with an untrained and incompetent "wildcatter."

Signed contract. Get a signed contract — before work begins. But don't sign any contract with blanks. A dishonest contractor could fill in unfair or fraudulent terms later.

• Also... make sure it's a legitimate, printed document — not something scratched out on a piece of paper. Make sure you have a copy for your files.

• Don't pay extra when a contractor says the cost of materials has "suddenly increased." Pay only what's spelled out in your signed contract.

No cash. Never pay in cash; pay only with check or credit card. A contractor who demands cash may be trying to avoid paying taxes or buying legally required insurance.

Repairs insured? Check with your insurance company to make sure your policy covers the repairs. Also have your insurance adjuster estimate the damage and probable cost to repair. This will give you a reliable basis for negotiating repairs with contractors.

Inspect damage. If practical, have an adjuster from your insurance company inspect your damage before repairs begin. Your insurance company may require an adjuster's inspection before you rebuild.

Your insurance claim could be denied if you make expensive, permanent repairs before the adjuster inspects the damage.

Signing off. Sign the certificate of job completion only when all repairs are finished to your satisfaction, and per your signed contract.

Fight back. Contact your state insurance fraud bureau and local office of consumer affairs right away if you suspect a repair scam.

---

Adjusting to adjusters

Insurance companies employ their own adjusters. They'll evaluate your property damage and help walk you through the claims process, free of charge. In many states, you can also hire public adjusters to help you file claims and negotiate your insurance payment. Public adjusters represent the claimant, and usually charge you 10-15 percent of any insurance settlement.

Schemes. Most public adjusters are honest and competent, but some are crooked. They may come from out of town, and go door to door, trying to bilk disaster victims with insurance schemes. They might:

• Charge you a large fee, and then disappear without handling your claim.

• Refer your repair to a dishonest contractor for a kickback, and you may receive shoddy repairs in return.

• File false and inflated claims against your policy. Sometimes they'll also try to convince you to join the scheme.

• Use their position of trust to access your Social Security number and other personal data for scams involving identity theft.

Licenses. Public adjusters need licenses in most states. Ask Texas Department of Insurance if an adjuster is properly licensed in your state, or has any complaints or disciplinary actions. If the adjuster comes from another state, contact that state's insurance department to make sure the adjuster is licensed.

References. Ask people you trust if they can recommend a reputable adjuster.

Learn more. To learn more about public adjusters, check out websites of organizations such as the National Association of Public Insurance Adjusters.

Fight back. If you suspect a public or insurer's adjuster is being dishonest, contact your state insurance department right away.

Is your insurance company really acting in your best interests?

Insurance companies will almost always try to settle for less than you deserve (let alone need) and they do not always contemplate the hidden effects of a underlying damage in your home when they consider the value of your loss. Most often, their offer is well below what your property damage and possessions cost, or your insurance company is denying your claim altogether. 

Contact one of our Roofing Professionals of Texas and we will investigate your damage, and consult with our team of experts to determine the full value of your claim. We will help you to obtain the money that you are due from your insurance company to which you have dutifully paid your insurance premiums. 

After a storm, fire or other disastrous event, roofers come out of the woodwork and start soliciting you.  This is a difficult time and your home is both a financial and emotional investment, and homeowner’s insurance should cover all losses under the terms of the policy. Many times, not only does the structure of the home sustain serious damage, but the property inside and outside the home may be damaged as well.  We will still be here when they are long gone and fail to honor their shoddy workmanship warranty.

If your insurance company is dragging its feet or has denied your claim, we can be vital in turning that around. Property owners throughout Texas have placed their trust in Roofing Professionals of Texas for years. Our team of professionals have effectively replaced many thousands of roofs through insurance claims.  We offer a free initial consultation to discuss your situation. Contact Roofing Professionals of Texas we offer a free initial consultation to discuss your situation. Call 469-906-2600 Ext. 13 or email us at victoria@roofingprotx.com to get started. 

Roofing Professionals of Texas provides you with reliable roofing services and professionally warrantied work. You've got endless choices when in it comes to roofers, so you want to make sure you hire the right team. You can rest easy knowing that we do exceptional work that is timely and affordable.

Roofing Professionals of Texas
469-906-2600
www.roofingprotx.com

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The information contained herein is provided "as is" and without warranty of any kind, either express or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Further, this information may include technical inaccuracies or typographical errors. Roofing Professionals of Texas may make improvements and/or changes in the products and/or the information described in this work at any time without notice. As such, changes may, without notice, be periodically added to this work.  Any questions, corrections, or comments concerning this work may be reported to Roofing Professionals of Texas at admin@roofingprotx.com. 

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