Roofing Professionals of Texas

  Texas doesn’t allow a roofer or contractor to act as a public insurance adjuster on insurance claims if they’re also doing the work. You can’t advertise that you would do so, either. Avoid problem language and conduct Make sure your websites, ads, and other materials don’t say or imply that you will act as both a contractor and adjuster on a project. Examples of improper language or conduct include: Offering to negotiate claim settlements or file a claim for the policyholder. Promising to recover “every dime you are owed” from an insurer. Advertising to help homeowners avoid “incorrect settlement pricing.” Telling others, including insurance companies, that you represent the policyholder or can speak for them on coverage issues. Don’t waive deductibles It’s also illegal in Texas for a contractor to offer to waive, rebate, or absorb a property policyholder’s deductible. State law: Requires contracts for $1,000 or more that involve an insurance settlement to include a notice that t...

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 ...