Electronics, Lightning, and Insurance ~ Part 1 A powerful bolt of lightning, even when it appears far away, can enter your home in a split second through electric, phone, or cable lines. Any item that is plugged in is vulnerable to jolting, frying, or damage. However, there are some items in your home or business …
Replacing damaged items after a storm can be very expensive but most home and business owners have purchased insurance policies to help them with the costs. Standard policies provide limited coverages on electronics with a limit per category as long as it is an approved peril such as fire, lightning, wind and hail. If you …
The Insurance Information Institute is a website designed to improve the understanding of insurance and its processes. Here are some interesting statistics they recently shared pertaining to lightning: According to an analysis by the National Fire Protection Association (NFPA), local U.S. fire departments responded to an average of 22, 600 fires per year from 2007 …
On June 26, 2012 The Texas Department of Insurance issued this notice. TO: ALL AGENTS, PUBLIC INSURANCE ADJUSTERS, AND ADJUSTERS, AND TO ALL INSURANCE COMPANIES, CORPORATIONS, EXCHANGES, MUTUALS, COUNTY MUTUALS, RECIPROCALS, ASSOCIATIONS, LLOYDS, AND OTHER INSURERS WRITING PROPERTY AND CASUALTY INSURANCE IN THE STATE OF TEXAS RE: ADJUSTING CLAIMS BY UNLICENSED INDIVIDUALS AND ENTITIES It …
Filing a claim on your property insurance can be an overwhelming process. Our certified team of Public Adjusters at messtx.com offer the following tips to help you get started: Notify the police if a crime is involved: Crimes such as theft, robbery, burglary, vandalism, etc., require an investigation and police report in order to file an insurance …
Hurricanes cause catastrophic amounts of property damage in coastal cities worldwide. In the United States, hurricane season is fast approaching and begins June 1st. Many agencies provide valuable information on preparing to protect our lives and property from these destructive storms. The following tips are from The Department of Homeland Security at https://www.ready.gov/hurricanes: Trim or remove …
Featuring specialized services, products, and industry specific knowledge Press Release: 27 May, 2016, 8:00 a.m. CST Houston, Texas www.messtx.com Morgan Elite Specialist Services is a team of certified, professional, and experienced Public Insurance Adjusters dedicated to helping business and homeowners manage their insurance claims in a prompt and competent manner. The new website, messtx.com, provides …
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Preparing for Hurricane Season Part 2 Large amounts of time and money are spent every year analyzing storms and weather events that peril life and property. Our certified team of Public Adjusters at messtx.com would like to share some interesting facts and information from The Insurance Information Institute at http://www.iii.org/issue-update/catastrophes-insurance-issues. Total catastrophe losses over the 20-year period, …
History has proven that storms do happen; adequate preparation is vital and can be the difference between life and death. The number of named storms per hurricane season can be record breaking. Although there is no correlation between the number of predicted storms and the actual number that make landfall, preparations should be made before …
Hurricanes are often referred to as ‘havoc wreaking monsters’. They can sustain wind speeds in excess of 157 miles per hour and spawn tornados, hail storms, and devastating floods. In 1992, for example, Hurricane Andrew hit the United States three separate times with storm categories of 5, 4, and 3 and a wind speed of …
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