Posts

Showing posts with the label 24 hr roofing

Your Premiums Paid. Your Claim Denied. --- The Business Model Behind Insurance Refusals

Image
Some insurance companies figured out they can increase profits simply by paying out less. It’s not complicated. When claims don’t get paid, margins go up. Insurance carriers don’t make money by writing checks. They make money by limiting them. Take E. Adams, a 60 year old woman left in a coma after a multi vehicle crash in Washington State. Her carrier, Farmers, denied the claim by arguing the other driver acted intentionally, and therefore the crash was not an accident. No coverage. Or D. Potter. She spent years selling disability policies for Unum. When multiple sclerosis forced her to stop working, Unum denied her claim, calling the condition “self reported.” The same policies she sold to protect others didn’t protect her. These aren’t rare outliers. They’re examples of a system built around deny, delay, defend. Do whatever it takes to avoid paying valid claims. At companies like Allstate, internal training materials have focused on minimizing payouts. Adjusters have been rewarded f...

HANDLING YOUR INITIAL INSURANCE CLAIM REQUEST

Image
Submit your request for storm damage inspection, roof repair or entire roof replacement by calling our office or filling in our online form. We devote the same amount of attention to each request – no matter how big or small! To better assist you, we will ask you about your contact information (name, phone number and email address), what type of service you need, how you heard about our company, and the best time to meet with you. We will then schedule the initial appointment and assign one of our roofing professionals to assess the property. INSPECTION AND INSURANCE CONSULTATION At the day of the appointment, our professionals will inspect your entire property for storm damage. A diagram of the roof and any other problem areas such as siding, gutters, and windows will be prepared and pictures will be taken. If you qualify for insurance reimbursement, we will describe which areas can be claimed. If your property does not have storm damage, we will use the diagram and photos to prepare ...

Kansas attorney general sues unregistered roofers

Kansas Attorney General Derek Schmidt announced that his office has filed lawsuits against five roofing contractors for violating the Kansas Roofing Registration Act by failing to registerwith his office. Schmidt said the following companies have been served with lawsuits: Gregory E. Wright, Wichita, dba Extreme Home Solutions; Shawnee County Mike’s General Contracting LLC, Derby; Mitchell County District Court Roof PRS LLC, Holdrege, Neb., and Chanse Beinke, Smithfield, Neb.; Shawnee County Super Siding LLC and Daniel Roberts, Hutchinson; Reno County Taylor Made Exteriors LLC, Wichita; Sedgwick County The defendants engaged in advertising, soliciting or performing roofing contractor services without with attorney general's office. Schmidt is seeking restitution to consumers who did business with these unregistered companies as well as penalties for doing business without registering

Texas bills target crooked roofers after Dallas area's hail horror stories

Image
AUSTIN — Several weeks after signing a contract to get her roof replaced for $25,000 last summer, Mary Jane Pierson of Fort Worth started to worry she was getting scammed. Her repeated phone calls to the roofing contractor weren’t returned or she was offered a litany of excuses about why the job wasn’t getting done: the company’s office flooded, the owner’s wife was in the hospital, shipment of the shingles had been delayed. “I knew there was a serious problem,” she said, recalling the change in behavior of the roofer, whose initial friendly demeanor before he secured the contract — and a check for $14,000 — was gone. Pierson, whose $200,000 brick home is still waiting for a new roof, said the contractor originally came knocking on her door — as did several others — last spring after a massive hailstorm in North Texas. He was very helpful and offered to get her insurance claim moving — so she agreed to sign a contract. “Everything looked on the up and up. So I gave him the first check ...

Elite Roofing Solutions free roof giveaway

Image
Elite Roofing Solutions is offering a free roof giveaway to those who  qualify.  Contact one of your local Elite Roofing Solutions  Representatives for more information.   Elite Roofing Solutions Inc. is a full service  Commercial and Residential Roofing Company that focuses on providing our customers with the right information about their property, issues affecting their property, and the ideal solution for their particular problems with an emphasis on the highest quality of service and most substantial R.O.I. for the customer. We believe that a well-informed customer is able to make the best decision that will eliminate any problems that existed prior to contacting Elite Roofing Solutions. Our services range from small repairs, complete residential re-roofs to major commercial installations. We are able to service our customers with any insurance needs, new construction projects and remodels.  Our customers range from first time home buyers with young fam...

When Insurance Companies Hide Behind their Experts in Texas

Image
One tactic insurance companies use to circumvent bad faith liability is claiming that they reasonably relied on their experts’ reports to deny a claim. Texas law on bad faith states that an insurer breaches its duty of good faith when: (1) denies or delays payment of a claim for which liability is reasonably clear, and (2) the insurer knew or should have known that liability was reasonably clear. For that reason, insurance companies often claim that because their retained experts decided that there was no valid insurance claim, liability was not reasonably clear and they should not be found liable for bad faith. Courts typically side with insurance companies on this issue, but sometimes the facts of a case require courts to doubt this argument, just as the Texas Supreme Court did in State Farm Lloyds vs. Nicolau , 951 S.W.2d 444 (Tex. 1997).  In Nicolau, a homeowner filed a lawsuit against its insurer for foundation and other structural damage that resulted from a plumbing leak tha...

Insurance Company Bad Faith Claims

Image
One tactic insurance companies use to circumvent bad faith liability is claiming that they reasonably relied on their experts’ reports to deny a claim. Texas law on bad faith states that an insurer breaches its duty of good faith when: (1) denies or delays payment of a claim for which liability is reasonably clear, and (2) the insurer knew or should have known that liability was reasonably clear. For that reason, you need a team like Elite Roofing Solutions, because insurance companies often claim that because their retained experts decided that there was no valid insurance claim, liability was not reasonably clear and they should not be found liable for bad faith. Courts typically side with the facts of a case which  require courts to doubt this argument, just as the Texas Supreme Court did in  State Farm Lloyds vs. Nicolau , 951 S.W.2d 444 (Tex. 1997). What happened was a homeowner filed a lawsuit against its insurer for foundation and other structural damage that resulted f...

Roof Insurance Claims in Texas

Image
It pays to have us on your roof with an insurance adjuster Did you know that most insurance claims in the U.S. are grossly underpaid? Even worse, many legitimate claims are completely denied. This doesn't necessarily mean that your insurance company is out to cheat you. However, when it comes to spotting roof damage, we've spent a lot more time on rooftops than even an insurance adjuster.   Elite Roofing Solutions technicians know what to look for regarding roof damage and may be able to see problems that the adjuster doesn't. We have worked with many insurance adjusters over the years and take a non-adversarial approach when talking with them. Let us represent you. Hail damage Let’s say you have hail damage on your roof. A common practice for insurance companies is to mark a 10’ x 10’ square and count the number of hail marks. However, the section of roof they choose to measure can have a big impact on whether you get a new roof or your claim gets denied. Unnecessary Claim...

Commercial Roofing: Evaluating Your Roof

Image
Identifying signs of potential commercial roofing problems before leaks begin will save time and money. Sometimes signs of a   roof problem   are obvious, such as the edge flashing tearing away or peeling back. Once this happens, you should know to immediately contact a   roofing professional   like   Roofing Professionals of Texas .   Below are common types of   commercial roofing   and problems that indicate roof leaks or conditions that could signal the potential for leaks. If you observe these signs of trouble, contact a roof professional to help determine next steps. For guidance on choosing a roofing professional like Roofing Professionals of Texas, please see  Hiring a Roofing professional like  Roofing Professionals of Texas. For information about metal coverings on a parapet wall or expansion joints, please see “Evaluating Flashing and Coping.” Commercial Roofing Built-Up Roof (BUR)/Modified Bitumen (MB): INSPECTION CHECKLI...

TPO (Thermoplastic polyolefin) on your Roof

Image
Roofing systems  characteristically get care only when they need upkeep. As long as a  roof needs  marginal repairs and keeps the contents of a facility dry and safe, maintenance and engineering managers have little to think about —or so the thinking goes. But  roofing  manufacturers say there is quite a bit to contemplate, especially when considering single-ply systems. According to manufacturers, these systems continue to harvest interest, thanks in part to the cost and performance benefits they deliver. Although varieties of single-plies have been around for more than 40 years, only in the last decade has the full performance potential of the systems been realized with the advent of new thermoplastic formulations. New plies also are increasingly economical, say manufacturers, and particularly favored by consumers when they carry Energy Star ratings. System Options Single-plies exist predominantly as two types: vulcanized unweldable elastomerics — nearly all o...