About: Lindsey

Recent Posts by Lindsey

Texas: Property Risk & Technology

Let us first discuss risk to commercial property in Texas as it relates to severe weather.  I am from Florida & have always grown up around Hurricanes.  So I have always focused my career research & experience surrounding Hurricane property claims.  There is a saying here, "Everything is Bigger in Texas,"  which certainly includes the cost of premiums to insure property.  Texas is hot spot for severe weather events.  Year in & year out, it is a huge risk for property insurers & owners.  The data is trending toward an increase in severe weather events each year.  It is a great state to live & the economic market is solid, but property insurance is expensive.  There are many reasons for it, but mainly because Texas has sustained more severe weather events than most states combined.  In...

Hidden Damage Due To Hail & Wind Storm Damage

Hidden Damage Due To Hail & Wind Storm Damage:  Did Your Insurance Company Do A Thermal Infrared Scan To Uncover Hidden Damage?

As a public adjuster I get questions from contractors & property owners regarding whether the insurance company has found all the damage.  The Disaster Advocates Inc. are "Hidden Damage" specialist.  Many property owners & restoration contractors rely on what you can "visually" see to determine the damage to a property from hail & wind storms. TDA claims utilizes the most advanced technology to find all damages both visual & hidden.  These techniques allow for us to get the ever elusive BUR with gravel ballast roofs plus other flat roof systems "bought" from the insurance companies due to hail/wind damage. How many times have we all heard, "we don't see any visible...

In Texas, To Proceed or Not To Proceed?

In Texas, To Proceed or Not To Proceed? Restoration “Insurance Pricing & Proceeds” Contingency Contracts

I will preface this blog post by stating that I am not an attorney and I am not offering legal advice. If you are a property owner or a contractor I would suggest consulting an attorney prior to signing an “insurance pricing & proceeds” contract. I am a Texas Public Insurance Adjuster who assists property owners with insurance claim disputes. “In Texas, To Proceed or Not To Proceed?” That is the million dollar question. Both Texas property owners & insurance restoration contractors should be wary of such contracts by proceeding with much caution. Property owners must be aware that contractors soliciting insurance proceeds contracts as “insurance claim experts, claim negotiators,” may be in violation of Texas House Bill 1183 & Texas...

To Hail With This Weather!

"To Hail With This Weather!"

Claims Journal Article, "The Emerging Hail Risk:  What The Hail Is Going On?"

Recently there was an article discussing the increase in claims for hail related losses in Texas. It stated that hail claims have dramatically increased over the past few years. That statement in the article is true. According to The National Insurance Crime Bureau (NICB) insurance claims resulting from hailstorm damage increased 84% in 2012 from their 2010 level. In 2010, there were 467,602 hail damage claims filed. That number increased to 689,267 in 2011 & to 861,597 in 2012 – an overall increase of 84% from 2010 to 2012. Over 2 million hail damage claims were processed from January 1, 2010 to December 31, 2012. During this...

Texas Public Adjuster: Top 10 Insurance Claim Tips

Texas Public Adjuster: Top 10 Insurance Claim Tips

The Disaster Advocates have been actively working within the insurance claims processing industry for a decade now, and because we've crawled through the muck and mire, clawed through the hedgerows and ditches, and pushed through the barriers erected by insurance companies we have an intimate knowledge of how to move through the processes, and succeed. Here are the 10 top insurance claim tips recommended by TDA the Texas public adjuster that, if you follow, you can be confident that your experience with the insurance claims settlement process is a “positive” one. 1)Be pro-active in the insurance claim process. Don’t sit around waiting to hear back from the insurance company. There are deadlines you have to meet, and if the...

Understanding Property Insurance Claims: Estimates and Depreciation

Understanding Property Insurance Claims: Estimates and Depreciation

After sustaining business interruption loss from any disaster event such as: fires, wind, hurricanes, tornadoes, flood, water, hail, lightning, equipment breakdown, and theft and vandalism, your insurance company must provide a detailed written estimate of all damages – to the property itself and the contents. This estimate is usually calculated and written in a software program called Xactimate. Typically, the layout of the damage should be labeled by location of the repair, such as: roof, exterior, interior room by room. It should also list...

Property Insurance Claims Process: Duties and Responsibilities

Property Insurance Claims Process: Duties and Responsibilities

Because there are so few insurance claims settlement courses available to property owners, many property owners do not know that they have specific responsibilities and duties to perform after property damage and loss. In an effort to inform and empower policyholders and property owners, the Texas public adjuster team done our due diligence and provided a detailed list below of the responsibilities and duties of the property owners and insurance companies when handling property insurance claims.

 After Property Damage and Loss: Duties and Responsibilities

As prepared by a Texas public adjuster here is a basic list for each party’s duties after a loss.

Policyholder’s duties and responsibilities:

  • Give prompt written notice of damage claim. Include a description of the property involved (commercial or...

Understanding Insurance Claim Process and Deadlines

Understanding Insurance Claim Process and Deadlines

A Direct Result of the “Prompt Payment of Claims Act”

Many property owners are unaware of the deadlines the insurance company is required to follow when adjusting an insurance claim in Texas. The red tape, the restrictions, the tiny print, and the delay tactics of many insurance companies and bureaucratic entities can make the insurance claim filing process into a nightmare. In an effort to help move things along, and to provide you with the time sensitive information you need to meet deadlines, TDA’s Texas Public Adjuster insurance claims services team compiled the data on deadlines and have listed it here for you. First: 15 days - the 15th business day after the date an insurance company receives notice of a claim, the insurance company must:
  • 1....

What Is A Public Insurance Adjuster?

What Is A Public Insurance Adjuster?

A Texas public insurance adjuster is licensed by the Texas Department of Insurance to represent policyholders in negotiations for their insurance claim settlements. As licensed public adjusters, we are required to be bonded, fingerprinted, pass the Texas state exam, have a criminal/background check, and submit an application for license approval by the TDI. We only represent policyholders, not the insurance companies, which means that we always have the interests of the victims in mind. TDA Texas insurance adjusters are advocates you can trust to help you get the compensation you deserve through your insurance claim settlements. Any fees charged to you are regulated by the Texas Insurance Code, and our fee is contingent upon success of the settlement claim. If you don’t recover a...

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