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

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.

Do I need a professional Inspection?

As a property owner dealing with potential damages to your property, the first step is to get a clear understanding of whether or not your property has been impacted.  Choose Roofing Professionals of Texas to examine your property. 

1.       You should have your property inspected by an insured, state registered contractor BEFORE you call your insurance company to adjust the property. After a major storm the insurance company is going to be flooded by claims. By having your property looked at by contractor who specializes in storm damage, you and the insurance claims adjuster will know that the damage is legitimate. Claims adjusters are very busy after a storm. They have very limited time to inspect each property, a preinspection helps the adjuster move quicker and get to their next appointment on time. A storm restoration professional should be on site to assist the adjuster in locating all the visible damage. This helps property owners get their repairs faster, because your property won’t be subject to time consuming reinspections when undocumented damage is discovered.

2.       Remember that all roofers are not the same. Although many claim to be storm damage experts, there are few who are willing to make the commitment to become true specialist. There are many unique factors that are involved in storm restoration work. One of the most important is being able to identify what hail, and wind damage looks like. This sounds simple, but storm damages can look like many different things. Hail damage for instance can look JUST LIKE nail pops, mechanical damages, or algae or moss that has fallen off. It takes a trained eye and sense of touch to understand the differences in different types of damages. Along with an understanding of damages, the person inspecting your property needs to understand your states insurance regulations, building codes and the requirements and guidelines of your insurance company for your specific area of the country. Many people are unaware that insurance companies have different coverage guidelines in different areas of the country. Combining knowledge of these regulations, along with the knowledge of exteriors construction is what allows for an accurate accounting of damages. This accounting is an integral piece in making your property whole again while using the proper tools, and materials in as short a time as possible.

Once a trained roofing professional has inspected your property, you now have the necessary information to move forward with confidence. With the unquestionable knowledge, experience, and expertise of UASRC contractors, you can be confident in the information and advice you receive and therefore be confident in the decisions you make regarding your property.

Cordially,

Freddie Reinwald, President Roofing Professionals of Texas 9500 Ray White Rd. Suite 200, Ft. Worth, TX 76244 Corporate:  469-906-2600  Direct:          469-298-9908   Fax:               469-906-2601 admin@roofingprotx.com

Entrepreneurs Succeeded — But Only After Failing Once Before

Entrepreneurs Succeeded — But Only After Failing Once Before

… For Mark the hard-fought lesson of his first venture was that undercutting the competition on price isn’t necessarily a winning long-term business strategy. He bought Watko Roofing and Sheet Metal in Oregon back in the 80's to cater to commercial builders who needed roofing. No repairs, no custom work, no residential jobs — easy, he thought. “But it was all contractors looking for the cheapest possible bid,” Mark says. And lowball bids meant he couldn’t give customers his best work, which also meant most didn’t hire him a second time. Five years in and $300,000 in debt, Mark liquidated the company and took a day job.

In 1996, Mark decided to try owning a business again, launching Bogota Roofing & Sheet Metal. This time, instead of focusing on new construction, he offered repairs, reroofing, sheet metal work, seismic retrofitting and other custom services to commercial building owners. All the while, he stuck to his pricing, refusing to play the lowball game.

“There are people who shop at Nordstrom for its quality and service, and people who shop at Walmart for its prices,” Mark says. By earning the trust of the Nordstroms crowd, he’s built a $10 million company with customers in Oregon, Washington, Idaho and California.

We have customers who have been with us for 20 years and continue to hire us.”

— Mark, Bogota Roofing

We are the Nordstroms of Roofing in DFW.

Summary Judgement GRANTED

So, its story time. A particular client, who will remain nameless, tried to scam us Easter of last year. Then, tried to play tough after she and her convicted child molesting common law POS husband tried to dispute the matter. That didn't last long. That particular client, who is crying broke, has 8 additional properties that are royalty locations for Oil and Gas. Meaning, she gets a royalty check every month from XTO Energy for them drilling on property she owns. I think Roofing Professionals of Texas will be in the oil and gas industry pretty soon. Energy Professionals of Texas has a nice ring to it. LOL. Anyway, it never pays to try and screw over people who try really hard to assist you in your time of need, considering that a large portion of our staff, (totaling 16 people) spent their entire Easter Sunday holiday at the clients home, as a holiday gift to the client. Forgoing our own holiday, religious and personal needs. By the way, Easter is on Sunday. So, we all worked on Easter, and on Sunday.

Then, it rained on Monday. However, on Tuesday, the clients common law husband contacted us and told us he has information that indicates that we installed second hand material on their roof. And that he wanted the ENTIRE roof torn off and replaced, free of charge. Oddly, we have photos and videos of the clients common law husband receiving the materials from the supplier. Not once, but twice. (We originally sent 3 tab to the home at their request, and he subsequently sent it back and requested an upgrade to architectural... part of the scam...) that he said he would pay the change order. Both deliveries were fully wrapped and palleted by the supplier. Direct from the manufacturer to supplier, supplier to the client. They paid the $7500 up front to keep us on the hook. This was a 65sq 10/12 roof in Arlington TX.

Mind you, its taken nearly a year to get it paid out, but, I NEVER GIVE UP. I am the most resilient and perseverant person you will ever meet. Both for a client, and unfortunately when the client tries to go south, against them. We at Roofing Professionals of Texas give our all to our consumer base, and when something goes wrong, we immediately address it. Also, when someONE goes wrong, we immediately address that too. As you can see below. This was today. If we help you and you try and screw us over, we will come after you and will not stop until the payment is satisfied in FULL. By the way, on Monday, the clients will be meeting with our attorneys to deposit the check. Or at least that's what they said today. I am kinda hoping that they don't. Ever since I was a little boy, I always wanted to be a J.R. Ewing kinda guy. This is unfortunate. Its even more unfortunate that people like this exist and prey on people like us. But hey, they found the right one.

Severe Weather in Texas, How to Prepare!

This is a repost from April 8, 2015

Originally written by By Suzanne Wiley, who is a volunteer contributor
American Red Cross

An old neighbor of mine—our houses three miles northeast of downtown Forth Worth—recounts the March 28, 2000 Fort Worth Tornado. She says, “The air was so still and the sky was green. It was quiet. Eerily quiet at first. A few pieces of paper were flying around the street. Then I heard it. We went inside and took shelter. After it was over, there was paper everywhere, covering the yard like there had been a heavy snowfall. Yeah, it was scary. Terrifying, really.”

Ten tornadoes hit North Texas that night. The Fort Worth Tornado ripped through neighborhoods in River Oaks, Camp Bowie and West 7th and then right through downtown. The Cash America Building, the Calvary Cathedral and the Bank One Building all sustained damaged. The Bank One building lost 3,000 windows. Two people died while trying to seek shelter. Eighty others were injured.

Though it doesn’t feel like it with winter making its last—and late—hoorah in North Texas, March 1 marked the start of meteorological spring. We face three months of the most unpredictable and possibly the most devastating weather of the year. In fact, long-range forecasts predict that March and April in Texas will be rainier and stormier than normal. Paul Patelok, who is a lead long-range forecaster at AccuWeather.com says, “I think we’re going to have a lot more tornadoes for the spring season compared to the last couple of years…”

In Texas, we don’t worry about just tornadoes, but also severe lighting, thunder and hail storms that can cause significant damage and even death. Time to get you and your family prepared for the upcoming spring storms.

Hailstorms happen when a thunderstorm produces hail 5 millimeters in diameter—a dime is twice that size—or larger. Texas sits in the “Hail Belt,” an area that experiences the worst hailstorms in the country. In 1995, a horrible hailstorm hit Fort Worth’s May Fest, causing $2 million dollars in damage and injuring 100 people. In March 2000, a softball-sized hailstone hit a 19-year-old man from Lake Worth, Texas, killing him

Preparing for Hailstorms

There is not much you can do to prepare for hailstorms, besides keeping your vehicle in the garage all season and walking around wearing a football helmet, but when hail hits, go inside and remain inside until the hailstorm is over. If you are outside, seek shelter under a picnic pavilion, gazebo or sturdy awning or inside a store, bathroom or other structure. Once inside, close the blinds and curtains to protect yourself from breaking glass. If you are in your car, pull over and turn away from the windshield, while covering yourself with a blanket or coat.

Flooding

There are two main types of floods—overland floods and flash floods. In North Texas, our greatest risk is flash flooding. A flash flood occurs when the city’s drainage system cannot drain heavy rains fast enough. Floods happen quickly and are hard to predict. They are the cause of the most weather-related deaths in America—mostly due to people believing floodwaters are passable. Remember—Turn Around! Don’t Drown! It only takes 18 inches of water to float away a regular sedan-sized car.

Preparing for a Flood

Floods have the potential to contaminate city water supplies, so store enough drinking water for drinking and personal hygiene. The absolute minimum requirement is one gallon of water per person per day. A flood has the possibility to force you to evacuate your home. Download the Red Cross Flood app for flood alerts and to locate your nearest shelter.

Lightning

Lightning is the electrostatic discharge from the electrically charged area between a cloud and the surface of the Earth and occurs in all thunderstorms. On average, lightning kills 300 Americans a year.

Preparing for a Lightning Storm

When you hear thunder or see lightning, go inside or seek shelter in a concrete building or structure. If you are camping, hiking or otherwise far from shelter, crouch down—don’t lay down—wrap your arms around your knees and keep your head down. For more on what do during a lightning storm, read “The Importance of Practicing Lightning Safety.”

Thunderstorms

There are four types of thunderstorms, classified by their severity. North Texas experiences all of them. We are mostly concerned with multi-cell cluster, multi-cell line and supercell thunderstorms—all of which have the ability to produce tornadoes. Prepare for a severe thunderstorm, the same way you a tornado.

Tornadoes

A tornado forms when updrafts of warm, humid air create a high-speed whirlwind. This rotating whirlwind or rotating cloud then forms a tornado when it reaches the ground. The United States experiences an average 1,200 tornadoes a year, with May through June being the peak time. Oddly, even though tornadoes can occur any time of the day, they most likely happen between 3 and 9 pm.

Preparing for Tornadoes and Thunderstorms

The first thing you need to know is the difference between a tornado watch and a tornado warning. A Tornado watch is when conditions are suitable to produce a tornado. A warning means a tornado has been confirmed in your area. If your area is under a tornado warning, it is time to put your family emergency plan in place immediately.

If you are away from a radio or newscast, know the signs of a tornado. You might see clouds moving towards each other or rotating, flying debris, a green or green-black sky, hail, wall cloud or hear the sound like a freight train. When you see any of those signs, seek shelter right away.

To prepare for a severe thunderstorm or tornado establish a “safe room” in your home. If you live in a mobile home—no room inside is safe. For those who live in mobile homes, you should seek shelter elsewhere or build an underground storm shelter outside the home.

Your safe room should be an interior room without windows on the lowest floor, and as far away from outside walls as possible. This could be a closet, bathroom or even the room under your stairs. Many apartments and smaller homes have no rooms that have only interior walls. Some experts believe that bathrooms, due to the pipes surrounding it have added protection—possibly more so than a closet. If your bathroom is the only safe room in the house, when there is a threat of tornado, get into the bathroom, and cover yourself with a mattress or heavy blankets.

FEMA suggests the room you pick should have enough room for everyone in the family to stand comfortably for two hours. Be sure to accommodate any elderly or disabled family members. If you care for someone with special needs, put a chair in your safe room.

You need to stock your safe room with essential and emergency supplies:

Bottled water

Necessary and emergency medications—inhalers, oxygen, aspirin, insulin, EpiPen, etc.

Helmets for children

Sturdy shoes for every family member

First aid kit

Flashlight

Emergency weather alert radio

Cell phone

Signaling device, such as a whistle

Fire extinguisher

Work gloves

Batteries

Babies’ needs such as formula and diapers

The American Red Cross has readiness items such as signal whistles, flashlights and disasters kits ranging from the basics to a four-person, three-day survival kit.

  

If you are on the road or far from a sturdy structure, do not pull over and hide under an overpass. This is a myth! Experts agree that an overpass is actually one of the most unsafe places to seek shelter during a tornado. Instead, pull over, get in a low-lying area like a ditch, and cover your head. If you absolutely have no other choice but to stay in the car, keep your seat belt on, roll up all the windows, bend down as far as you can below the windows and cover your head with a blanket or any other material you have.

For all the information on tornado preparedness, download the Red Cross tornado warning app.