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An individual analyzing a property insurance policy

When to Hire a Public Adjuster: Signs That You Need Professional Help with Your Claim

Public adjuster / By

Dealing with insurance claims can be challenging, especially when you’re already dealing with the stress of property damage. While some claims are straightforward and can be handled without much hassle, others can quickly become complex. In such cases, hiring a public adjuster can be a wise decision. Public adjusters are licensed professionals who specialize in …

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A home insurance policy

Navigating Property Insurance Laws: Understanding Your Rights as a Policyholder

Property Damage / By

Property insurance is a cornerstone of financial security for homeowners and business owners alike, offering protection against unforeseen disasters. According to the Insurance Information Institute, in 2020 alone, the United States faced an estimated $82 billion in insured losses due to natural catastrophes. Despite the importance of insurance coverage, navigating property insurance laws can be daunting, with …

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A person spray painting a building

The Cost of Vandalism: Understanding Your Insurance Coverage and Rebuilding Options

Insurance / By

Vandalism, a senseless act of destruction, not only inflicts emotional distress but also poses significant financial burdens for property owners. From graffiti on walls to broken windows, the aftermath of vandalism can be overwhelming. At Morgan Elite Specialist Services, we understand the challenges faced by property owners dealing with vandalism. Protecting your property against vandalism …

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A home insurance policy

Fire, Flood, or Fury of Nature: What Your Texas Homeowners Insurance Covers (and What It Doesn’t)

Insurance / By

Did you know that according to the Texas Department of Insurance (TDI), nearly 2 million homeowners insurance claims are filed in Texas each year? While Texas homeowners insurance is mandatory, understanding exactly what it covers (and what it doesn’t) is crucial for making informed decisions and getting adequate protection. Here at Morgan Elite Specialist Services, we …

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Property damage from a tornado in Texas

The Aftermath of TornadoesIn Texas: Navigating Insurance Claims and Rebuilding Efforts

Claim Adjusters / By

When tornadoes wreak havoc on communities, the aftermath is often devastating. The state of Texas is known for its susceptibility to severe weather and tornadoes. Beyond the immediate destruction, survivors are left with the challenging task of rebuilding their lives. One significant aspect of this process is managing insurance claims, which can be complex and overwhelming. …

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An insurance claims adjuster explaining a document

Don’t Get Shortchanged: How a Public Adjuster Helps Your Insurance Claim

Public adjuster / By

Imagine this: your home is struck by lightning, leaving a trail of smoke and electrical damage. Confused and overwhelmed, you contact your insurance company, only to be met with a barrage of technical jargon and seemingly endless paperwork. Sound familiar? The truth is that navigating the world of insurance claims can feel like deciphering a secret …

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Firefighters putting out a fire

The Aftermath of a Fire: Essential Steps to Take to Protect Your Texas Property

Fire Damage / By

A fire can be a terrifying and destructive experience. In the immediate aftermath, ensuring everyone’s safety is the top priority. Once the fire is extinguished and it’s safe to do so, fire damage mitigation becomes crucial. Taking the right steps quickly can minimize further damage and protect your property. Here’s a guide to essential actions you …

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A person holding an insurance claim document

From Denial to Dollars: Demystifying the Insurance Claims Process

Insurance / By

Did you know that according to a J.D. Power 2023 survey, insurance claims satisfaction scores have been steadily declining over the past few years? This highlights the complexities many policyholders face when navigating the claims process. While filing an insurance claim might seem straightforward, it can quickly become a labyrinth of paperwork, deadlines, and potential disputes …

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A business owner putting up a sign in front of their establishment

Don’t Get Stuck Holding the Bag: A Business Owner’s Guide to Insurance Claims in Texas

Insurance / By

Texas is a hub for thriving businesses, but it’s also prone to natural disasters like hurricanes, floods, and severe weather. These events can cause significant commercial property damage, disrupting operations and impacting your bottom line. In the aftermath of such a disaster, navigating Texas insurance claims can be overwhelming. This guide equips you with the essential …

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A public adjuster with a senior couple smiling and giving thumbs up

Public Adjuster vs. Appraiser: Who Do You Need for Your Texas Property Damage Claim?

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Facing property damage in Texas can be overwhelming. The claims process itself can add another layer of stress, with unfamiliar terms and different professionals involved. Two key figures you might encounter are public adjusters and appraisers. While their titles might sound similar, their roles in the claims process are distinct. Understanding these differences can help you …

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