python code

Overnight Roofing Gurus and Sales Coaches are mostly just slick talkers that provide some value... naah

 Ah, the age of the internet, AI and automate EVERYTHING and lets 10x, 50x, 100x your or scale as they call it – where everyone and their dog can become an overnight sensation. And in the vast world of roofing, this phenomenon is no different. Enter the self-proclaimed sales gurus, roofing experts, and chatbot AI specialists. These are the folks who, after watching a couple of YouTube videos, suddenly feel qualified to teach the rest of us how to install a roof, what to do in unique situations, or how to combat unruly adjusters or homeowners. How to sell the most of any one given thing...

When these self-proclaimed roofing gurus or coaches face a pointed question about the industry, an application, a roofing feature, or product knowledge, they often dodge the issue, steering the conversation elsewhere. This tactic seems designed to deflect attention and prevent their lack of genuine expertise from being unmasked.

Now, I've been in the roofing industry for over 30 years. I've sold, installed and managed over a million square feet of roofing and have accumulated more than 30 years of sales experience in the construction industry. So, when I see these overnight "experts" popping up, that 3 days ago NO ONE ON THE FACE OF THE EARTH heard of, I can't help but laugh.  The sad part is many of you are seasoned as well and you pay money to go see these guys.

We all know them.  There's the TJs, Ryan's, and don't forget the Lee's oh, and his buddy from Russia with... roofing advice; the Anthony's, the Grant's and next there's the Sam's, they are all great at telling you stories and how to do things, but most of them simply sell you things to steal your money or client database.  Many of these people recommend a specific CRM or app, but actually own stock or hired someone to built it (lets face it most of these guys aren't intelligent enough to do so)... guess where the clients data goes since they own it because you accepted the terms and conditions?  Their server.  That means they can now access your clients through whatever channel they choose. 

 

It's like watching a reality TV show where the plot twists are as predictable as a soap opera. Now, I'm not implying that they're all cut from the same shit stained cloth. There are some shining stars in this murky galaxy. Take Becca Switzer, for instance. She's the real deal, and if you ever doubt her she'll not only tell you but show you faster than you can say "insurance claim" she is a bonafide dragon slayer in this industry;  then there is the Steve Patrick's of the World.  Now he is legit, and doesn't mind getting dirty.  Jeremy Cannefax, another dyed in the wool monster in this industry.  A true force of good in a pool of evil.  And let's not forget Dale Childress, another actual real beacon of hope in this sea of slithering... well, let's just call them "interesting" characters.  But Dale Childress is also the real deal; these are the ones I would pay attention to.  The rest?  Sure, if you're 20 years old and just getting in the game, and have limited experience in the roofing industry, let alone know the process.  Then yeah, sure, these other people are fine. You know the ones I'm talking about. They speak out of both sides of their mouth so much that you'd think they're trying out for a ventriloquist act. It's like their opinions and "proof" are on perpetual spin cycle, leaving us all dizzy and confused. Take our dear friend from Russia, for example. One minute he's trash-talking GAF, and get sued for defamation... But hey - No problem! Just switch gears and become their biggest fan by singing their praises like they're the Garry Kasparov of roofing.  It's all in a day's work in the topsy-turvy world of roofing advice from non roofers.

To you youngin's, navigate this industry with your eyes wide open. Experience things for yourself. After all, why rely on someone else's version of the truth when you've got a perfectly good brain of your own? In the world of roofing, it's always best to trust but verify. And maybe keep an umbrella handy, just in case. The techniques and secrets of the roofing industry are intended to be sold to you by these people of ill repute, not freely shared.

While the internet is a great place to learn and share, it's essential to remember that not all that glitters is gold. Or in this case, not all that shingles is a roof. So, the next time you come across an "expert" online, remember to take their advice with a grain of salt – or maybe a whole salt shaker.

A staggering 60% of the industry seems to be riding the wave of this newfound momentum. But here's the catch: many professionals are getting swept up in the hype without critically evaluating the true value of these self-proclaimed experts.  Some folks on this list happened to be in the right place when Mother Nature decided to throw a party - be it a hurricane, tornado, or hailstorm. And voilà! They're not just making it rain; they're making it pour. And what do they do with this windfall? Well, they don't just buy a new umbrella. They catapult themselves into the glamorous world of digital creation or, wait for it... roofing sales coaching. Because, why not?It's reminiscent of the dot-com bubble, where every Tom, Dick, and Harry became an overnight internet mogul. Or the oil and gas industry, where some struck black gold by merely looking at a patch of land. And let's not forget the gold miners, who, rumor has it, could find gold in their backyards if they dug deep enough.

Most of these so-called "industry leaders" have little to no valid experience and are just smooth-talking scammers. Sure, they've got hustle, but they'd probably sell you a bridge if they could. So, hats off to these masters of minimal effort and maximum ego-stroking! Bravo! 

The Hype vs. Reality

The most alarming aspect is the number of professionals who invest in these gurus' products and services simply because of the buzz surrounding them. It's as if many have forgotten the innate skills, talents, and instincts they use daily, whether it's in a sales pitch to a potential client or navigating a challenging situation. Why are so many willing to pay someone else to tell them what they already know? Why attend expensive conventions or conferences where the primary goal seems to be spending money rather than making it?

Before the era of aggressive online marketing, had anyone even heard of these so-called gurus? The answer is likely no. Instead, the industry was familiar with genuine professionals—those with a proven track record, not just a flashy online presence.

The Dangers of Internet Hype; With the rise of platforms like Facebook, YouTube, and Google, it's become easier than ever for these gurus to gain visibility. But just because they're visible doesn't mean they're credible. The true professionals in the roofing industry are those who have honed their craft over years, if not decades. They have tangible success stories, not just viral marketing campaigns. 

The Manufacturing Dilemma; The industry's challenges don't stop with marketing gurus. There's a significant issue with manufacturers who seem to have forgotten their place. Many roofing professionals are essentially paying these manufacturers to market their products. It's baffling to think that some of the biggest names in roofing manufacturing, like GAF (originally General Aniline & Film - dude, they were a film company for pete's sake...), have limited knowledge about the actual roofing industry. Their expertise lies in marketing, not roofing.  Or by their namesake Film.  Not roofing. 

Yet, many roofing contractors allow these manufacturing giants to influence their business decisions. When you're the one promoting their products, why should you settle for minimal returns? Since when did a brand not financially recognize It's number one customers?  Its time for a wake-up call. They want us to pay them to learn how to sell their product so that they avoid liability and still seldom cover any of their mistakes?

In Conclusion, The next time Mother Nature decides to throw a party, maybe we should all RSVP. Who knows? You might just find your next career move amidst the chaos. Cheers to the opportunists! But let's be real, you can be whoever you want on the internet. You can sensationalize whatever you want in todays fake culture. Now, they're on the internet, trying to stay relevant, doing the bare minimum, enticing the sellers of the sale. All while giving their egos a nice little massage. The roofing industry belongs to the hardworking professionals who've dedicated their lives to it, not to fleeting internet gurus or out-of-touch manufacturers. It's crucial to remember your worth, trust your instincts, and make decisions that benefit you and your business. Don't let anyone else dictate the trajectory of your career.

On a personal note, I don't think everyone of these people are horrible.  Most, but not all.  I feel like many of them are scammers and you just got "took", but they did it with a platform so its no ones stupidity but yours.  

 fr23

Disclaimer:

Credit to Original Creator: All images used on this platform, especially those utilized for parody purposes, are credited to their respective original creators. We deeply respect the creative efforts of all artists and photographers, and our intention is to honor their work by acknowledging its source.

Parody Declaration: Content presented on this platform, especially those that might resemble original works, are intended for parody and satirical purposes. Any similarities to original content are purely coincidental and are meant for humorous and commentary purposes only. We urge our audience to view such content in the light-hearted and comedic context in which it is presented.

When it comes to roofing installations

 

When it comes to roofing installations, we're the best in the business! Our skilled technicians use high-quality materials and precise techniques to ensure a durable and beautiful roof for your Texas home. #RoofingProfessionalsof Texas #RoofingProTX #DFWRoofing #DallasRoofers #FortWorthRoofing #RoofingDFW #DFWContractors #DFWRoofRepairs #RoofingCompanyDFW #DFWInsuranceRoofing #DFWStormDamage #RoofingSpecialistsDFW #DFWRoofClaims #DFWRoofingExperts #DFWRoofingServices #DFWRoofReplacement #DFWRoofingContractors

Roofing Insurance Restoration Contractors in DFW and surrounding counties

 

If you're looking for a roofingcontractor in the Dallas/Fort Worth area who specializes in insurance restoration and can help you navigate your deductible requirements, there are several options available to you.

One way is to call a local, dedicated reputable FortWorth roofing contractor Roofing Professionals of Texas. Insurance companies often work with local contractors who have experience with insurance restoration work and who meet certain criteria for quality and reliability.

Another option is to search online for roofing contractors inthe Dallas/Fort Worth area and read reviews from previous customers. Look for contractors who have experience with insurance restoration work and who have a good reputation for quality and customer service.

 

Here are a few roofing contractors in the Dallas/Fort Worth area that specialize in insurance restoration:

McKinney Roofing Pros – Collin County Roofing Contractor

Keller Roofingand Gutters - Tarrant County Roofing Contractor

Azle Roofing  - Parker County Roofing Contractor

Denton Roofing Gurus - Denton County Roofing Contractor

Remember to always do your research and choose a licensed and insured roofing contractor with a good reputation to ensure that your Dallas roofing insurance restoration project is completed safely and to your satisfaction.

Filing a Roofing insurance claim in Dallas/Fort Worth TX

 When it comes to filing a roofing insurance claim, there are a few important steps you should follow to ensure that your claim is processed smoothly and you receive the compensation you deserve.

Contact Roofing Professionals of Texas to Document the Damage: We will start by documenting the damage to your roof. Take photographs or video footage of the damage from all angles, as well as any damage to surrounding structures or property.

Review Your Insurance Policy: Review your insurance policy to understand your coverage and deductible. Make sure you know what your policy covers and how much you will need to pay out of pocket.

Contact Roofing Professionals of Texas We will contact your insurance company with you as soon as possible to report the damage and begin the claims process. We will be prepared to provide them with all of the documentation you have gathered, including photos and videos.  Scientific or state and federal code requirements, as well as anomaly's.  

Roofing Professionals of Texas will Schedule an Inspection: Your insurance company will send out an adjuster to inspect the damage to your roof. Contact Roofing Professionals of Texas to be present during the inspection to ensure that all of the damage is accurately documented and not accidently "overlooked".

We will review your carriers assessment and point out areas of interest and areas they "accidently" missed on purpose.  We will provide them our assessment  based off of their report.  Provide state of the art historical weather data backed by NEXRAD and NOAA  and certified.  Provide digital aerial measurements, field photos and videos, special circumstances, and code requirements as well as manufactures recommendations.

Roofing Professionals of Texas will discuss all aspects of the claims scope of work and dollar value with Your Insurance Company: If your insurance company's initial estimate may need negotiation to get a fair settlement. We are prepared to provide additional documentation and evidence to support your claim.

Contact Roofing Professionals of Texas to Make Repairs: Once you have reached a settlement with your insurance company, we can begin making repairs to your roof based off of their final estimate. You will sign off to ensure that all work is completed to code.

By following these steps and working with your insurance carrier and Roofing Professionals of Texas, we can successfully navigate the roofing insurance claims process and get your roof repaired or replaced as quickly and efficiently as possible.

Regenerate response

IMPORTANT NOTICE TO ALL PROPERTY OWNERS Covering Insurance Deductibles is ILLEGAL

If someone proposes that you "make money" or "not pay your full deductible" on the roof installation and/or property claim with a contract price of $1,000.00 or greater, this is  INSURANCE FRAUD, and the property owner and insured along with roofing contractor are subject to jail time and fines.  "Waiving Deductibles", "Absorbing Deductibles", "Discounting Deductibles", "Rebates", "Credits", "Offsets", "Sign Allowances" or any form of avoiding monetary payment of the required insurance deductible.  It's all illegal.  See our video on YouTube here: 

	H.B. No. 2102AN ACT   relating to the payment of insurance deductibles related to   property insurance policies; creating a criminal offense.          BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:          SECTION 1.  Subtitle F, Title 5, Insurance Code, is amended   by adding Chapter 707 to read as follows:   CHAPTER 707. PAYMENT OF INSURANCE DEDUCTIBLE          Sec. 707.001.  DEFINITIONS. In this chapter:                (1)  "Person" means an individual, corporation,   association, partnership, limited liability company, or other   legal entity.                (2)  "Property insurance policy" means an insurance   policy issued by an insurer, including a county mutual insurance   the company, farm mutual insurance company, Lloyd's plan, or reciprocal   or inter-insurance exchange, that provides first-party coverage for   loss of or damage to real property.          Sec. 707.002.  PAYMENT OF DEDUCTIBLE REQUIRED. A person   insured under a property insurance policy shall pay any deductible   applicable to a first-party claim made under the policy.          Sec. 707.003.  CONSUMER EDUCATION. The department, in   coordination with other state agencies and stakeholders as   necessary, shall develop and implement an education program related   to the payment of property insurance policy deductibles. The   program must:                (1)  provide reasonable methods to educate insurance   consumers and providers of goods or services that are regularly   paid for from proceeds of property insurance claims; and                (2)  include information regarding:                      (A)  the requirements of this chapter and Section   27.02, Business & Commerce Code; and                      (B)  the conduct prohibited by Section 27.02,   Business & Commerce Code.          Sec. 707.004.  REASONABLE PROOF OF PAYMENT.  An insurer that   issues a property insurance policy with replacement cost coverage   may refuse to pay a claim for withheld recoverable depreciation or a   replacement cost holdback under the policy until the insurer   receives reasonable proof of payment by the policyholder of any   deductible applicable to the claim. Reasonable proof of payment   includes a canceled check, money order receipt, credit card   the statement, or copy of an executed installment plan contract or   other financing arrangement that requires full payment of the   deductible over time.          Sec. 707.005.  RULEMAKING. The commissioner may adopt rules   as necessary to implement this chapter. Section 2001.0045,   Government Code does not apply to rules adopted under this   section. Industry Professionals Merlin Law Group explain the truth about the insurance claims process. Texas Insurance Code 707.002

"Texas Law requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy.  It is a violation of Texas law for a person or business paid wholly or partly from proceeds of a property insurance claim to knowingly allow the policyholder to fail to pay, or assist the policyholder's failure to pay, the applicable insurance deductible."

The new statute gives insurance companies and the State two ways to enforce these requirements.

FIRST - Insurance companies may now "refuse to pay a claim for replacement cost value" until the contractor handling the claim provides proof of payment of the deductible (Texas Insurance Code 707.005)

SECOND – On the surface, its a Class A Misdemeanor to violate in accordance with 707.005; both the service provider and the insured are subject to violations. (Texas Insurance Code 707.006)  Insurance carriers are now working with the Attorney Generals office in charging the insured and/or Homeowners as well as, the contractor for insurance fraud a Felony in the State of Texas (Texas Penal Code: Title 7 - Offenses Against Property, Ch. 35, Insurance Fraud Sec 35.02)

Roof Certification for §179D Tax Deduction

Roofing Professionals of Texas and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.  Contact us here

Section 179D of the Federal Tax Code Offers a Tax Deduction for Installing Energy Efficiencies in Real Property

Note: As part of a COVID-19 relief package passed by Congress on December 21, 2020, the §179D deduction will now be a permanent part of the tax code.

Through §179D of the tax code, commercial building owners may be eligible for a federal tax deduction of up to $1.80 per square foot for improving the energy efficiency of new and existing buildings. Specifically, the §179D deduction is worth up to $0.60 per square foot each for qualifying energy-efficient improvements to a building’s lighting system, HVAC system, and the building envelope including roofing and insulation and solar upgrades. After 2020, these amounts will be indexed for inflation. In addition to building owners, primary designers—including architects, engineers, green building consultants, and contractors—of qualifying energy efficiency measures in government-owned buildings may also claim the deduction.

Third-party certification is required to claim the §179D deduction, and we are a lead certifier. Our experience has helped us simplify the certification process and allows us to offer the most competitive fees in this professional specialty.

Energy efficiency projects can generally deliver a positive return on investment when tax incentives are applied. However, capturing all beneficial incentives requires that both engineering and tax strategy are performed in sync. This is where Roofing Professionals of Texas adds exceptional value for our clients. Drawing on our team’s extensive knowledge provide assurance that your energy efficiency project will yield both maximum technical performance and financial value.

How to Claim the 179D Deduction

When performing a no-cost benefit analysis for the §179D deduction, you will need to provide a tax preparer with requested information such as:

• Name of legal owner
• Project name and address
• Energy systems to be studied (lighting, HVAC, envelope, or whole building)
• Building usage
• Total square footage of space of the energy efficiencies 
• Placed in-service date
• Project cost

 

Benefit Illustration for Building Owner Commercial Roofing

Based on the energy efficiency attained and application of Revenue Procedure 2011-14, an client was allowed to claim the full §179D deduction, amounting to $1.80 per s/f—totaling $516,600 with no need to amend tax returns.

Benefit Illustration for Architect Commercial Roofing

Based on the square footage of the multiple government buildings worked on as well as the sustainable design implemented, an architecture firm was ultimately entitled to deductions nearing $7,000,000 over a 5-year span.

Huntsman Building Solutions to Host Roofing Foam, Coatings Applicator Training July 21-22

THE WOODLANDS, Texas — Huntsman Building Solutions (HBS), a global leader in high performance, sustainable building envelope solutions, announced it will host a two-day Roofing Foam and Coatings Applicator Training on July 21 and 22. Presented by the HBS tech department and roofing group, the live, virtual training will be held 10 a.m. to 5 p.m. EST on both days.

 The training will educate roofing spray foam applicators on a wide range of topics including:

Roofing basics

Roofing products and applications

Roofing safety

Roofing building science codes and approvals

Roofing foam equipment training

Roofing guns (foam)

Foam and coatings processing

Error codes and troubleshooting

Roofing investigation and prep

The training course is free to all attendees, who will receive an HBS Approved Applicator diploma upon completion and passing a written examination.

To register for the July 21 and 22 training, click here. Registration closes July 19. For questions about the training, contact Vince Kerr at vkerr@huntsmanbuilds.com or 817-723-4546. 

The course will also be offered several times throughout the year as part of the regular HBS University educational offering. All HBS University courses may be accessed here: eventbrite.com/o/huntsman-building-solutions-31728494573.

Waiver of Liability & Hold Harmless Agreement

Waiver of Liability & Hold Harmless Agreement

1.     In consideration for participating in Roofing Professionals of Texas giveaway, and other valuable consideration, I hereby RELEASE, WAIVE, DISCHARGE AND COVENANT NOT TO SUE Roofing Professionals of Texas, their officers, servants, agents, or employees (herein after referred to as RELEASEES) from any and all liability, claims, demands, actions and causes of action whatsoever arising out of or related to any loss, damage, or injury, including death, that may be sustained by me, or to any property belonging to me, WHETHER CAUSED BY THE NEGLIGENCE OF THE RELEASEES, or otherwise, while participating in such activity, or while in, on or upon the premises where the activity is being conducted or in transportation to and from said premises.

2.     To the best of my knowledge, I can fully participate in Roofing Professionals of Texas’ giveaway. I am fully aware of the risks and hazards connected with the giveaway, including but not limited to the risks as noted herein, and I hereby elect to voluntarily participate in said giveaway, and to giveaway and enter the Roofing Professionals of Texas giveaway knowing that the giveaway may be hazardous to me and my property. I VOLUNTARILY ASSUME FULL RESPONSIBILITY FOR ANY RISKS OF LOSS, PROPERTY DAMAGE OR PERSONAL INJURY,INCLUDING DEATH, that may be sustained by me, or any loss or damage to property owned by me, as a result of being engaged in such an activity, WHETHER CAUSED BY THE NEGLIGENCE OF RELEASEES or otherwise.

3.     I further hereby AGREE TO INDEMNIFY AND HOLD HARMLESS the RELEASEES from any loss, liability, damage or costs, including court costs and attorney's fees, that may incur due to my participation in said activity, WHETHER CAUSED BY NEGLIGENCE OF RELEASEES or otherwise.

4.     It is my expressed intent that this Release and Hold Harmless Agreement shall bind the members of my family and spouse (if any), if I am alive, and my heirs, assigns and personal representative, if I am not alive, and shall be deemed as a RELEASE, WAIVER, DISCHARGE AND COVENANT NOT TO SUE the above RELEASEES. I hereby further agree that this Waiver of Liability and Hold Harmless Agreement shall be construed in accordance with the laws of the State of Texas.

5.     I UNDERSTAND THAT ROOFING PROFESSIONALS OF TEXAS WILL NOT BE RESPONSIBLE FOR ANY MEDICAL COSTS ASSOCIATED WITH ANY INJURY OR ILLNESS I MAY SUSTAIN DURING ROOFING PROFESSIONALS OF TEXAS GIVEAWAY.

6.     I further agree to become familiar with the rules and regulations of the giveaway and that I will further assume the complete risk of any activity done in violation of any rule or directive or instruction. IN SIGNING THIS RELEASE, I ACKNOWLEDGE AND REPRESENT THAT I have read the foregoing Waiver of Liability and Hold Harmless Agreement, understand it and sign it voluntarily as my own free act and deed; no oral representations, statements or inducements, apart from the foregoing written agreement, have been made; and I execute this Release for full, adequate and complete consideration fully intending to be bound by same.

RE-ROOF REMMINGTON 870 GIVEAWAY OFFICIAL RULES

RE-ROOF GUN GIVEAWAY OFFICIAL RULES

This giveaway is governed by these Official Rules. By participating in this giveaway, buyer agrees to abide by and be bound by these Official Rules, including requirements, and buyer acknowledges that the result of the giveaway is solely contingent upon getting a re-roof fully paid for by buyer, the buyer. This giveaway is neither endorsed by nor affiliated in any way with any of the companies or products mentioned on the Roofing Professionals of Texas page or other marketing materials associated with this giveaway. Each company and manufacturers product has its own registered trademarks that are not owned by Roofing Professionals of Texas aka RoofingProTX, Inc. or Roofing Professionals of Texas, Inc., nor are the companies or their trademarks affiliated in any way with either RoofingProTX, Inc. or Roofing Professionals of Texas, Inc. or this giveaway. RoofinProTX, Inc. is itself Service Marked through the United States Trademark and Patent Office.

1)    All giveaways require the purchase of a re-roof.  This is not a raffle or a drawing.  This is a promotion for the purchase of a reroof. After full and complete payment, Roofing Professionals of Texas will provide buyer with a voucher for a local distributor in buyer area to purchase the gun. Roofing Professionals of Texas will not be responsible for registering, licensing, or taxes, nor will Roofing Professionals of Texas have anything to do with the application process for purchase.

2)    How to Enter. Sign a contractual agreement with Roofing Professionals of Texas or any of its affiliate companies (Keller Roofing and Gutters, McKinney Roofing Professionals, Roofing Professionals of Texas, Azle Roofing, Denton Roofing Professionals, or any of its subsidiaries).

a)   Retail Purchase:  Re-roof must be paid in full out of pocket before the voucher will be issued.  Or,

b)   Insurance Claim: Paid in full “replacement cost value” including full payment of state-mandated deductible. Or,

c)   Finance Agreement:  If the buyer is not paying for the reroof out of pocket, nor RCV Insurance Claim with paid deductible, buyer can opt for financing through our partner Acorn Finance https://tinyurl.com/roofingfinancing.  Once the finance agreement approval is complete, the roof is completed and payment is effectuated, the voucher will be issued.

d)   Exclusions:  This does not apply to any repair.  For the purposes of this giveaway, buyer must purchase a complete reroof.

3)    All Roofing Professionals of Texas customers who enter into this agreement will be automatically entered into the system for a Remington 870 shotgun, AR-15, or 1911. The giveaway ends at 11:59 p.m. central time (CT) on 05/31/2023.

4)    This is not a contest it’s a giveaway with conditions and stipulations. Buyers who enter for the giveaway will receive a voucher for the value of any gun associated with the giveaway, respectfully. For any of our giveaways, the winner will receive a voucher for the value of the gun or a voucher for the associated items if the physical items are not readily available. All federal, state and local laws apply. Void where prohibited.  The brand and styles of each listed firearm are subject to change.

5)    Eligibility.

This promotion is open to legal residents of the Great State of Texas, must be 21 years of age or older at the time of entry. Must own the property being reroofed or be the (verifiable) designated decision maker. Roofing Professionals of Texas employees and their immediate families are not eligible for this promotion.

1. Conditions. By entering, buyer accepts and agrees to be bound by these official rules and the decisions of Roofing Professionals of Texas. Any taxes or other expenses not specified herein are the sole responsibility of the winner.  Prizes are not transferable.  No substitution or cash equivalent of prizes is permitted, except at the sole discretion of Roofing Professionals of Texas. Customers may be required to execute and return all documentation within fourteen (14) days of the date printed on notification, inclusive with buyers reroof contract, Affidavit Liability/Publicity Release, Hold Harmless Contract and any other documentation Roofing Professionals of Texas reasonably requires for fulfillment.  If a prize notification or prize is returned as undeliverable, the corresponding prize will be forfeited. By accepting a prize, the winner agrees that Roofing Professionals of Texas accepts no responsibility or liability in connection with injuries, losses, or damages of any kind caused by or resulting from the acceptance, possession or usage of the giveaway awarded hereunder. Roofing Professionals of Texas reserves the right to cancel, suspend, amend, or terminate the giveaway, without notice, for any reason, including, without limitation, if Roofing Professionals of Texas determines that the giveaway cannot be conducted as planned, or should a failure occur, non-payment of any sort, tampering, or unauthorized intervention, technical failure, or other cause beyond Roofing Professionals of Texas’ control corrupt the administration, security, fairness, integrity, or proper play of the giveaway.  In the event of tampering or unauthorized intervention, Roofing Professionals of Texas reserves the right to void entries at issue.  Roofing Professionals of Texas  is not responsible for any errors in the offer or administration of the giveaway, including the posting of these official rules, inaccurate transcription of entry information, human error, technical malfunction, the inability to access any Roofing Professionals of Texas site or online service, selection or announcement of any winner, or distribution of any prize.  All taxes and firearms licensing and/or transfer fees are each giveaway recipient’s responsibility. This offer is void where prohibited or restricted by law (which would mean all of them “other states”, just not the Great State of Texas). All federal, state and local laws and regulations apply. By participating in this giveaway buyer agree that Roofing Professionals of Texas can publish buyer first name, last initial, and county and city of residence in Texas in any media now known or hereafter developed throughout the world, without limitation. Roofing Professionals of Texas publish this limited information to protect buyer identity.

1. BUYER ACKNOWLEDGES AND AGREE THAT ANY ACCEPTANCE, PARTICIPATION IN OR WITH, AND/OR USE OF ANY GIVEAWAY ARE SOLELY AT BUYER OWN RISK. BUYER, ON BEHALF OF BUYERRSELF AND BUYERR ASSIGNS, HEIRS, DEVISEES AND ESTATE (COLLECTIVELY, "SUCCESSORS"), HEREBY UNCONDITIONALLY AND FOREVER RELEASE, DISCHARGE, AND AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS ROOFINGPROTX, INC. OR ROOFING PROFESSIONALS OF TEXAS, INC., ITS AFFILIATES AND OTHER PROVIDERS OF ANY PRIZE AND EACH OF THEIR RESPECTIVE PARENT COMPANIES, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PROFESSIONAL ADVISORS, AND CONTRACTORS (COLLECTIVELY, "RELEASED PARTIES"), FROM ANY AND  ALL CLAIMS, JUDGMENTS, COSTS, DAMAGES, LOSSES, EXPENSES, AND  LIABILITIES (WHETHER UNDER CONTRACT, WARRANTY, TORT (INCLUDING  NEGLIGENCE (WHETHER ACTIVE, PASSIVE, OR IMPUTED), STRICT LIABILITY, PRODUCT LIABILITY, OR ANY OTHER THEORY) RELATING TO ANY CLAIM BUYER MAY NOW OR LATER HAVE WITH RESPECT TO ANY DEATH, PERSONAL INJURY, PROPERTY DAMAGE, PECUNIARY, OR OTHER LOSS, DAMAGE, COST, OR EXPENSE (COLLECTIVELY, "HARM") THAT MAY BE SUFFERED BY BUYER OR ANY THIRD PARTY AS A RESULT OF THE PROMOTION, ANY USE BY THE RELEASED PARTIES OF BUYERR NAME, LIKENESS (INCLUDING, WITHOUT LIMITATION, AURAL AND VISUAL LIKENESSES OF BUYER), OR BIOGRAPHICAL DATA, OR IN CONNECTION WITH BUYERR ACCEPTANCE, PARTICIPATION IN OR WITH, USE OF, AND/OR INABILITY TO USE ANY PRIZE AWARDED TO BUYER, EVEN IF SUCH HARM IS CAUSED SOLELY BY THE RECKLESSNESS, NEGLIGENCE, OR FAULT OF ONE OR MORE RELEASED PARTIES (COLLECTIVELY, THE "RELEASED CLAIMS"). BUYER UNDERSTANDS AND AGREES THAT THIS RELEASE WILL PREVENT BUYER AND BUYER SUCCESSORS FROM BRINGING ANY ACTION AGAINST ANY RELEASED PARTY AND FROM RECOVERING ANY MONEY DAMAGES OR OTHER RELIEF FROM ANY RELEASED PARTY IN CONNECTION WITH ANY OF THE RELEASED CLAIMS.

A Texas Public Adjuster Can Provide Expert Claim Adjustments

A Texas Public adjuster is a state licensed insurance claims professional who will work with challenging your insurance company until a claim is complete. They are not affiliated with an insurance company, public adjusters work only for you, the policyholder, and their primary goal is to ensure that you receive the full payout from your insurance claim.

Texas is a proud state, especially when it comes to protecting consumers. In the event that you need to file a property damage claim, there are licensed insurance claim specialists, known as public adjusters, that can provide guidance and help maximize the claim settlement after a loss.

There are three types of insurance adjusters you may come across in Texas:

Public Insurance Adjusters work for you and have no affiliation with insurance companies.

Independent Adjusters contract their services to insurance companies and work on their behalf.

Company Adjusters, or Staff Adjusters, work for the insurance company directly, so their priority is to the company’s bottom line.

Public Adjusters are the only type of claims adjusters that work on behalf of the policyholder and fight for you during the insurance claims settlement process.

Fees For Hiring A Public Adjuster In Texas

Public Adjusters in Texas typically follow the percentage of claim payment fee structure. In rare cases, an adjuster may charge a flat rate or an hourly rate, but the industry standard is to bill consumers 10% of the entire claim amount or 25% of new money (new money is additional money above and beyond what your carrier has already offered as a settlement or already paid out). As dictated by Texas law, the fee percentage will never exceed 10% of the total value of the claim. The fees charged are agreed upon upfront between the policyholder and the public adjuster which is detailed in writing in the form of a contract. Public Adjusters in Texas typically work on a contingency basis, meaning they are not paid until the final settlement has been received.

We have worked with the largest firms in Texas and the smallest.  We have found great success and personal attention from Freedom Public Adjusters.  

Verification of Gen Liab Cov 2022

 

Texas Insurance Claim Appraisers & How The Appraisal Clause Process Works

A Texas property insurance appraiser is a professional who steps in when a policyholder and an insurance company cannot agree on a property damage claim value.

You and your insurance company might disagree about the amount of loss or the scope of damages during a claim settlement – such as the total cost to repair storm damage to your home, for example. You may disagree with your insurance company and think that their estimate for repairs is too low.

Disagreements and negotiations are a normal part of any property damage insurance claim. But when your insurance company refuses to negotiate on the amount of loss, you have the option to settle your claim by invoking an appraisal clause in your insurance policy. In doing so, both you and your insurance company need to hire your own appraiser to determine the value of the loss.

The goal of the appraisers is to make a determination as to a fair price for your claim, or what your insurance claim is worth. This undoubtedly means that hiring the right appraiser for this process is critical.

Invoking an Appraisal Clause

Every property insurance policy in Texas has an appraisal clause.

The appraisal language in a standard policy typically reads as follows: 

Appraisal. If you (property owner) and we (insurance carrier) fail to agree on the actual cash value, amount of loss, or cost of repair or replacement, either can make a written demand for appraisal. Each will then select a competent, independent, appraiser and notify the other of the appraiser's identity within 20 days of receipt of the written demand. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a district court of a judicial district where the loss occurred. The two appraisers will then set the amount of loss, stating separately the actual cash value and loss to each item.

Each party – including you and your insurance company – is required to hire an appraiser. Each party must pay for its own appraiser. But, if they fail to reach a mutual decision and it has to go to an “umpire”, both parties must also split the expenses of the appraisal and umpire equally.

What is an Appraisal Umpire?

After both you and your insurance company hire an appraiser, both appraisers will work together to pick an appraisal umpire. Usually, a retired engineer, contractor, judge or lawyer is hired as a third-party fact-finder; A qualified umpire is anyone licensed by the state of Texas who is capable of giving an impartial valuation based on his or her expertise in the field.  The appraisal umpire is a competent, disinterested, and impartial individual who may render a final, binding decision if the two appraisers cannot reach an agreement.

If the two appraisers cannot reach an agreement on the amount of the loss, then the decision will go to the appraisal umpire. 

What Does a Property Insurance Appraiser Do?

After hiring an insurance appraiser, the appraiser will get to work. Some of the core duties performed by an insurance appraiser during a public appraisal include:

Investigate and evaluate your insurance claim

Determine whether your insurance policy covers the loss claimed

Decide the appropriate amount the insurance company should pay for the loss

Ensure that the claim is not fraudulent

Contact associates, coworkers, doctors, employers, contractors, the police, and others to get additional information about a questionable claim

Consult with lawyers on claims if needed

Maintain claims files, including a record of settled claims and an inventory of claims requiring detailed analysis

Negotiate a final settlement with the appraiser hired by your insurance company

If a disagreement cannot be reached, pass the case off to the appraisal umpire for a final verdict

Overall, an appraiser’s goal is to investigate, evaluate, and provide valuations on property damage to help settle insurance claims.

Some specialize in a specific area of insurance – like a commercial, business, and residential insurance. Others specialize in a specific type of damage – like hail, roof, wind, flood, or hurricane damage.

 
Pros and Cons of Insurance Appraisal

An insurance appraisal is a crucial part of the insurance industry. When two sides cannot reach an agreement on the value of a claim, then the policyholder may invoke the appraisal clause.

Pros

•             Insurance appraisal could be the best way to resolve a significant claim dispute with your insurance company.

•             You can add significant value to your claim without the added time and expense of prolonged litigation.

•             The terms of invoking an appraisal are already written into your insurance contract. It’s a well-established process used by policyholders across Texas every year.

•             You can earn every penny legally owed to you by your insurance company for your claim.

•             You can prevent an insurance company from dragging its feet, denying your claim for no good reason, or engaging in other problematic tactics.

Cons

•             The disputed difference needs to be significant for the claims process to be worthwhile. If you and your insurance company disagree about $5,000, for example, then the appraisal fees alone could take up any proceeds even if the appraisers rule in your favor.

•             There are no guarantees about the outcome of an appraisal. Once a decision has been reached – either by the appraisers or the umpire – that decision is final. There are limited ways to challenge this final decision, change the award, or receive further compensation.

•             Some appraisals can take a long time. You may spend months waiting for the other side to choose an appraiser, perform a thorough appraisal, negotiate, and then finally receive a decision from the appraisal umpire.

•             It can be difficult to find impartial appraisers willing to work for the policyholder (and it’s often easier for your insurance company to find an impartial appraiser).

•             Impartial appraisal umpires can be difficult to find, and they need to be approved by the insurance carrier’s appraiser.