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WHY THE INSURANCE CLAIMS PROCESS IS UNFAIR AND NEEDS AN ADJUSTER FOR YOUR HOME DAMAGE

admin • Aug 27, 2022
Superhero — McKiney, TX — Timmons Consulting Group

The insurance claims process can potentially become very frustrating when you’re dealing with damage to your home from natural circumstances. That’s because so many insurance companies are starting to slight the people they claim to protect by not compensating them for damages. If you know the mechanics of how insurance companies operate, it shouldn’t be surprising when many of those companies are out to think of their own bottom line than help you.


While insurance is still mandatory, how do you fight back when an insurance company inspects your home and insists damage isn’t that bad? With a recent case here in Texas, some people are taking more extremes in making sure they get the money they deserve. The smarter route, though, is to just hire a public adjuster.


Fighting Insurance Claims


In Austin, Texas recently, a symposium was held by insurance companies to propose a “War on Hail” based on the record amount of homes filing for hail damage since 2010. The title of this symposium should tell you everything about how insurance companies think, even if you can’t blame them for the title when there’s such an abundance of claims.


As for the public, their extensive claims show how people are realizing the major damage nature can bring to homes. The trouble with hail is that it can leave behind subtle damage an insurance company can easily overlook. This includes damage to shingles on the roof where physical damage isn’t always apparent to the naked eye.


The above people expecting major payouts for repairs from the insurance companies might be surprised in the end. What they should do is hire a public adjuster to gain definitive proof of their hail damage so the insurance companies won’t continue to declare “war” on them.


Public Adjusters Will Help Get the Proper Repairs


With a new law in Texas that doesn’t allow the so-called inspector to do repair, hiring a public adjuster to hire a proper inspector is going to be essential. Here at Timmons Consulting Group, we’re public adjusters who represent Texans to make sure they get the proper home repairs when nature wreaks havoc. We’ll make sure the proper inspection equipment gets used so there won’t be any denial of the evidence.


Contact us if you’re one of those who recently filed a claim for hail damage and hope your insurance company will come through. The chances are, they won’t compensate you enough, and we’ll step in to prove their inspection lent too much of an intentional blind eye.

By admin 27 Aug, 2022
Have you heard that adjusters are not the same legally as roofers? In today’s modern economy, there are a lot of people that will come around when there is a storm to check your roof. They will ask you to do an inspection and promise to work with your homeowner’s insurance company to get your roof fixed. However, is this legal or wise with new laws like H.B. No. 1183? Interestingly, there are 3 laws separating roofers from adjusters. Once you have the correct information in mind, you can navigate getting your roof fixed after a storm with no surprises. What is H.B. No. 1183? In the state of Texas, a law was passed that prohibits certain conduct coming from insurance adjusters, public insurance adjusters, and roofing contractors. In short, this means that a roofing contractor will not be able to also be an adjuster for properties they complete roofing projects on. For this reason, you should avoid anyone that claims otherwise. What is a public adjuster? Sadly, many property owners do not learn about using legal public adjusters until after they lose a considerable amount of money. Whether you are a homeowner or commercial property owner, it pays to know how a public adjuster can help you get the help you need to find a roofer that will also satisfy your insurance company. Simply put, a public adjuster will work for the insurance policyholder to get the insurance company to cover your claim that you need a new roof or other repairs. Contractors are not licensed attorneys. When a big storm hits a community, adjusters work overtime to get homeowner’s the help they need to fix their property. Alternatively, when times are tough, it is easy to assume that a roofing contractor will have the power to get your insurance company to sign off on a bid to fix your roof without needing an adjuster. Legally, this simply is no longer the case. It is also illegal for adjusters and roofing contractors to negotiate a claim made by a property owner without the property owner’s permission. Roofers are not licensed public insurance adjusters. Again, if someone is a both a roofing contractor and a public insurance adjuster or licensed attorney, they are qualified to negotiate insurance claims. Regardless, this will never be the case. In general, having these dual roles would put the person at risk of being banned from the Bar Association of America because they would be working as a contractor and legal counsel simultaneously — and that is a conflict of interests. Ready to get a roof legally? When the time is right, contact us for your roofing needs. We will file all the proper paperwork and ensure that you comply with the letter of the law. Give us a call, and we will answer any of your questions concerning repairing, replacing, and remodeling your roof. We can also provide you with more information about the new laws that protect homeowners from shifty roofing companies. 
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
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