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	<title>Randell Smith - A Public Adjuster</title>
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		<title>Major Storms Around Fredricksburg Texas, Austin Texas and Houston Texas</title>
		<link>http://statepublicadjuster.com/blog/major-storms-texas-fredricksburg-austin-houston/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=major-storms-texas-fredricksburg-austin-houston</link>
		<comments>http://statepublicadjuster.com/blog/major-storms-texas-fredricksburg-austin-houston/#comments</comments>
		<pubDate>Tue, 14 May 2013 16:19:38 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
				<category><![CDATA[Hail Damage]]></category>
		<category><![CDATA[storm damage]]></category>

		<guid isPermaLink="false">http://statepublicadjuster.com/blog/?p=819</guid>
		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/major-storms-texas-fredricksburg-austin-houston/">Major Storms Around Fredricksburg Texas, Austin Texas and Houston Texas</a>
</p><p>Randell Smith State Public Adjuster serves the State of Texas with Insurance Claim Settlement Services follwing major storm damage.  Just a few days since the downpours that flooded texas with up to 7 inches of record rains, the state is still soaked like a sponge. In central texas there were reports of baseball sized hail...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/major-storms-texas-fredricksburg-austin-houston/">Major Storms Around Fredricksburg Texas, Austin Texas and Houston Texas</a>
</p><p><span style="color: #008000;"><span style="color: #000000;">Randell Smith State Public Adjuster serves the State of Texas with Insurance Claim Settlement Services follwing major storm damage. </span></span></p>
<p><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png"><img class="alignleft size-full wp-image-66" alt="Hail Damage Fredricksburg Texas Public Adjuster" src="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png" width="471" height="129" /></a></p>
<p>Just a few days since the downpours that flooded texas with up to 7 inches of record rains, the state is still soaked like a sponge. In central texas there were reports of baseball sized hail around the Fredricksburg area. Austin experienced a mild cold front which mixed with the warm air developing unprecidented storms in the states capital.</p>
<p style="text-align: left;">In Houson, residents encountered heavy downpours and flooding. Traffic was completely shut down in some areas of the city due to high flood waters. One witness reported,</p>
<blockquote><p>&#8220;It was crazy. The wind, the lightning then the sky turned black like it was 8:00 at night. I really got nervouse thinking that a tornado may occur. When the hail started to come down I had to pull under a gas station cover to keep the ice from hitting my car. There were several motorists parked under the overpass at I-10 in Katy. It was just a wicked storm folks.&#8221;</p></blockquote>
<p style="text-align: center;">If you live in the Greater Houston area and have experienced flooding in your home or your office call on the services of Public Adjuster. Randell Smith, State Public adjuster has his main offices in the Houston area and is prepared to serve you. Randy will come out to inspect your property for damages. With over 30 years of experience in all facets of construction, Randy is able to give a fair and reasonable estimation of damages. And since Randy does not work for the insurance company you know that you are going to get an honest evaluation. Randy works for you the insured and not the insurance company.</p>
<p style="text-align: center;">
<p style="text-align: center;"><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2013/05/hail4.jpg"><img class="size-medium wp-image-827 aligncenter" alt="hail4" src="http://statepublicadjuster.com/blog/wp-content/uploads/2013/05/hail4-225x300.jpg" width="225" height="300" /></a></p>
<p>Central Texans woke up to some severe weather Friday morning, with baseball-size hail reported in the Fredericksburg area. Fredericksburg Texas hail damage victims should contact Randell Smith for immediate assessment of their home. Even if you feel that there are no visible damages, you may still be in danger of roof damages that can lead to leaks and secondary damages to your home. If you have a home or a business in the Fredericksburg Texas area then you likely have hail damage. Don&#8217;t waste any time calling Randell Smith, State Public Adjuster. All consultations are free and Randy works with you to get more on your insurance claim than the insurance companies are generally willing to offer.</p>
<p style="text-align: center;"><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2013/05/hail2.jpg"><img class="size-medium wp-image-825 aligncenter" alt="hail2" src="http://statepublicadjuster.com/blog/wp-content/uploads/2013/05/hail2-300x225.jpg" width="300" height="225" /></a></p>
<p>As for Austin, a cold front is pushing through just south of town mixing with warm, unstable air, causing storms to develop. Today’s chance of rain is 60 percent in the Capital City, which will taper down into 30 percent for the evening. Mixed with hail and high winds the storms caused damage to many homes across the sate. Golf ball sized hail was reported in the Temple and Kileen areas with severe storms which brought down powerlines and causing power outtages to much of the affected area. Winds as high as 72 miles per hour were reported in some areas. If you live in the State Capital or in and around the hill country and have experienced any major storm there is a good probability that you have some kind of storm damage. It does not hurt to call on the services of an experienced public adjuster. Randell Smith won&#8217;t simply make up damages to report, but he will find real damages to your home and property and help you get real money for damages that your insurance company might normally deny you.</p>
<p>Randell Smith can help you understand your rights under your current policy and help you make sense of the paperwork. When it comes time to negotiate your claim settlement, Randell will go to bat for you to make sure you get the very best insurance claim settlement you can get. In fact, with a public adjuster you can get up to 750% more on your insurance claim settlement than you can on your own.</p>
<p>Don&#8217;t hesitate to give Randell a call today! Even if you have already settled, but feel you did not get a fair claim, Randell can have the claim reopened and renegotiated to help you get what is rightfully yours.</p>
<p>Get In Touch With State Public Adjuster Today!</p>
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		<title>West, Texas Explosion Insurance Claim</title>
		<link>http://statepublicadjuster.com/blog/west-texas-plant-explosion-insurance-claim/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=west-texas-plant-explosion-insurance-claim</link>
		<comments>http://statepublicadjuster.com/blog/west-texas-plant-explosion-insurance-claim/#comments</comments>
		<pubDate>Wed, 24 Apr 2013 14:01:07 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
				<category><![CDATA[Explosion Damage]]></category>
		<category><![CDATA[Explosion]]></category>
		<category><![CDATA[Fertilizer Plant]]></category>
		<category><![CDATA[Texas]]></category>
		<category><![CDATA[West Texas]]></category>

		<guid isPermaLink="false">http://statepublicadjuster.com/blog/?p=813</guid>
		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/west-texas-plant-explosion-insurance-claim/">West, Texas Explosion Insurance Claim</a>
</p><p>To Our Friends In West, Texas: Our hearts break for the tragedy that you and your community have experienced with the plant explosion. We know that this is a difficult time for many of you who have lost family, friends, and property when the fertilizer plant exploded. When tragedy strikes it is good to know...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/west-texas-plant-explosion-insurance-claim/">West, Texas Explosion Insurance Claim</a>
</p><p>To Our Friends In West, Texas:</p>
<p>Our hearts break for the tragedy that you and your community have experienced with the plant explosion. We know that this is a difficult time for many of you who have lost family, friends, and property when the <a title="Fox News Coverage of the Plant Explosion in West, Texas. " href="http://www.foxnews.com/us/2013/04/24/texas-town-where-fertilizer-plant-blew-up-begins-long-recovery-effort-as/" target="_blank">fertilizer plant exploded</a>. When tragedy strikes it is good to know that you have a community of neighbors who support you and stand behind you. We have watched the unfolding recovery and have been earnestly praying for you all. We want to be sensitive to you during this time of recovery, but feel it would be negligent on our part not to tell you about the services that we offer. And so it is with wax-free sincerity that we extend our services. If you live in or near <strong>West, Texas</strong> and have been impacted by the <strong>Plant Explosion</strong> we can assist you with your <strong>Insurance Claim</strong>.</p>
<p><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png"><img class="size-full wp-image-66 alignnone" title="West, Texas Plant Explosion Insurance Claim" alt="West, Texas Plant Explosion Insurance Claim" src="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png" width="471" height="129" /></a></p>
<h4>Public Insuarance Adjuster Serving the West, Texas Plant Explosion Victims</h4>
<p>Have you ever heard of a public insurance adjuster? We are licensed professionals who serve insurance policy holders as their advocates when claim settlement becomes necessary. The fact is that we can help many insured parties get up to 750% more on their insurance claim settlement than they could on their own. Sadly most policy holders accept the insurance company&#8217;s first offer. West, Texas Plant Explosion Insurance Claims are no exception.</p>
<p>Listen, it is called a settlement for a reason. You must settle on the final offer and make sure that your insurance company has your best interest in mind when writing the claim check. The sad fact is that even during times of tragedy and loss, the insurance companies still focus on their bottom line. We understand that business is business, and so we are in the business of helping our clients get what is rightfully theirs by representing their claims in a more aggressive manner to get our clients a FAIR CLAIM SETTLEMENT.</p>
<h4>Here Is How We Can Help Victims of the West, Texas Plant Explosion With Their Insurance Claims</h4>
<p>Randell Smith is proud to be your State Public Adjuster! With over 40 years of experience in all facets of construction, Randell is able to identify structural problems and deficiencies in your home and property that result from catastrophic explosions, such as the explosion that rocked West, Texas. You may not even know that you have damage but over time the damages will inevitably manifest in serious problems with your home and foundation. Explosions of the magnitude that was experienced by West, Texas residents is significant to warrant inspection by a qualified, licenced, professional such as Randell Smith.</p>
<p>Randell will inspect your property for damages and advise you on the best course of action. Randell will then push your claim through the appropriate channels to help expedite your claim settlement while working diligently to help you get more money to cover the real damages to your home or property.</p>
<p><strong>What Is The Difference Between A Public Adjuster and The Insurance Adjuster?</strong></p>
<p>This is a great question that we are almost always asked. Once our clients understand the answer to this question, our services are pretty much a &#8220;no-brainer&#8221;.</p>
<p>Essentially the main, and most significant difference is that a Public Adjuster represents you, the insured, homeowner, and not the insurance company. A Public Adjuster has a vested interest in helping you get monies above and beyond what the insurance company offers. We are paid a percentage of what we are able to secure for you above and beyond what you might have normally been offered. A public adjuster is licenced by the state in which they are working to adhere to standards that insurance companies are not even required to adhere to. In addition, most public adjusters have vast experience in construction and claims adjusting.</p>
<p>On the other-hand, your insurance company adjuster has a vested interest in saving the insurance company money. Usually an insurance adjuster is trained to conveniently overlook &#8220;not so obvious&#8221; damages to your home or structure. We understand that is a harsh endictment but it is the truth none-the-less. Furthermore, your insurance companies adjuster is paid by the insurance company&#8217;s payroll.</p>
<p><strong>Nothing to Lose and Everything to Gain!</strong></p>
<p>Quite frankly, you have nothing to lose. Give Randell Smith a call today and you will get a FREE CONSULTATION. Randell will explain your policy to you and help you uncover money that you may leave at the table regarding your insurance claim. Since Randell is paid for services by what he is able to secure for you above what your insurance company offers, it only makes sense that Randell would evaluate your property damages and aggressively go after everything that is coming to you.</p>
<p>It is really quite simple.</p>
<p>We like to use the analogy of getting a second opinion with from a doctor. If your company doctor tells you that you have a clean bill of health, and yet you still have aches and pains, you would want to have a second opinion correct? Well then, why would you not get a second opinion about damages to your home or property? Randell Smith provides that second opinion, and his services make a difference.</p>
<h4>Testimonial</h4>
<blockquote><p>My name is Nick Covanes and I am the webmaster for State Public Adjuster. In fact, I write all of the content for Randy Smith and the State Public Adjuster Website. The reason that I tell you this is because I want you to understand that though Randell is one of my clients, I have also had the priviledege of being one of his friends, fellow church members and clients. A couple of years after Hurrican Ike made landfall we had no idea that we had any damages to our home. Randy had come by our house to drop off something my wife Erin had loaned his wife Debbie. As he was leaving, he noticed something that our untrained eyes would have never recognized. He asked me if I knew that I had severe roof damage. I said, &#8220;No.&#8221; Randy pulled out a ladder and brought me up on the roof and explained to me all the damages that my unskilled eye would have never recognized. Eventually I would have forked out 100% of the money out of my own pocket to repair the damages from what most might call an aging roof.</p>
<p>Randell told me to go ahead and make the claim, and when the insurance company sent back their offer (if any since 2 years had already passed) to let him know and he would handle it for us. And handle it he did.</p>
<p>The insurance company came back and only offered to pay us for a small portion of our roof ($1,800.00 to be exact). Randell Smith went to work and some time later we not only got our entire roof repair covered, but the money to replace the fence in our back yard, extra money for secondary damages on the inside of our home and then some! Now that does not include the amount that Randy got paid or the $13,000.00 that went to the attorney.</p>
<p>The point I want to make is that Randell helped us when our insurance company would not. This is the caliber of work that Randy does for all of his clients. I trust Randy and highly recommend him. You should too!</p></blockquote>
<h4>Contact Randell Smith Today For A Free Consultation</h4>
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		<title>Brookshire Texas Hail Damage</title>
		<link>http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=brookshire-texas-hail-damage</link>
		<comments>http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/#comments</comments>
		<pubDate>Wed, 20 Mar 2013 16:20:58 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
				<category><![CDATA[Hail Damage]]></category>

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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/">Brookshire Texas Hail Damage</a>
</p><p>Brookshire, Texas. Wednesday morning from about 1:00 until about 3:00 there was a major thunderstorm over much of the Houston area. Hit the hardest by the storm, which produced large chunks of hail, was the town of Brookshire. Located just West of Houston near Katy, TX is Richmond, Texas where one resident reported &#8230;the storm...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/">Brookshire Texas Hail Damage</a>
</p><p>Brookshire, Texas. Wednesday morning from about 1:00 until about 3:00 there was a major thunderstorm over much of the Houston area. Hit the hardest by the storm, which produced large chunks of hail, was <a title="Brookshire, TX" href="https://maps.google.com/maps?q=Brookshire,+TX&amp;hl=en&amp;sll=31.168934,-100.076842&amp;sspn=10.781884,20.983887&amp;hnear=Brookshire,+Waller,+Texas&amp;t=m&amp;z=13" target="_blank">the town of Brookshire</a>. Located just West of Houston near Katy, TX is Richmond, Texas where one resident reported</p>
<blockquote><p>&#8230;the storm woke us early as the sounds of hail striking the roof and cars alerted us of the severity of the storm. Having witnessed the damage from the tornado that tore through Joplin, hail always sends up red flags as it is a precursor to tornado&#8217;s in many cases.</p></blockquote>
<p>Fortunately there was no tornado reports but there was significant hail damage in Brookshire Texas</p>

<a href='http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/hail-storm-brookshire-texas/' title='Hail-Storm-Brookshire-Texas'><img width="150" height="150" src="http://statepublicadjuster.com/blog/wp-content/uploads/2013/03/Hail-Storm-Brookshire-Texas-150x150.jpg" class="attachment-thumbnail" alt="Hail-Storm-Brookshire-Texas" /></a>
<a href='http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/hail-damage-brookshire-texas/' title='Hail-Damage-Brookshire-Texas'><img width="150" height="150" src="http://statepublicadjuster.com/blog/wp-content/uploads/2013/03/Hail-Damage-Brookshire-Texas-150x150.jpg" class="attachment-thumbnail" alt="Hail-Damage-Brookshire-Texas" /></a>
<a href='http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/large-hail-brookshire-texas/' title='Large-hail-Brookshire-Texas'><img width="150" height="150" src="http://statepublicadjuster.com/blog/wp-content/uploads/2013/03/Large-hail-Brookshire-Texas-150x150.jpg" class="attachment-thumbnail" alt="Large-hail-Brookshire-Texas" /></a>
<a href='http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/hail-strikes-brookshire-texas/' title='hail-strikes-Brookshire-texas'><img width="150" height="150" src="http://statepublicadjuster.com/blog/wp-content/uploads/2013/03/hail-strikes-Brookshire-texas-150x150.jpg" class="attachment-thumbnail" alt="hail-strikes-Brookshire-texas" /></a>
<a href='http://statepublicadjuster.com/blog/brookshire-texas-hail-damage/brookshire-texas-hail-storm/' title='Brookshire-Texas-Hail-Storm'><img width="150" height="150" src="http://statepublicadjuster.com/blog/wp-content/uploads/2013/03/Brookshire-Texas-Hail-Storm-150x150.jpg" class="attachment-thumbnail" alt="Brookshire-Texas-Hail-Storm" /></a>

<h3>What Causes Hail Damage Like That In Brookshire Texas</h3>
<p>Hail is formed in the upper atmosphere and falls as large, layered ice particles. These chunks of hail are often spherical in shape, and they are produced by thunderstorm updrafts. Hailstorms form within unstable air masses, where temperatures are equally unstable. These unstable conditions produce large updraft speeds which are fast enough to keep a developing hailstone from falling to the ground. These hail stones would seem to be juggling in the upper atmosphere as they grow in size, layer by layer.</p>
<p>In a hailstorm, and in all thunderstorms for that matter, the small ice particles that form high in the atmosphere above the freezing level collect either rain water or cloud water on them, forming a water shell that freezes. These ice particles, under the right conditions, recycle in updrafts and take on layer after layer of ice until the ice particles either become too large for the storms updraft to carry them, or they get caught in a downdraft, and they finally plummet to the ground.</p>
<p>It is when ice falls to earth that we terrestrial beings experience hail damage. If you can imagine the sound of dropping ice into a tea glass and then image that that speed increased to the rate of terminal velocity and you get <a title="hail damage" href="http://statepublicadjuster.com/blog/hail-damage/" target="_blank">hail damage.</a> Hail will strike roofs, break windows, damage siding, destroy wood fascias and cause all kinds of damage to landscaping and other things around your property, including vehicles, mail boxes, children&#8217;s play structures and more.</p>
<h3>If You Live In Brookshire You Have Hail Damage.</h3>
<p>If you have been in a hail storm or in the vicinity of a storm that produces hail, chances are good you have some sort of damage to your home. The problem is that with the untrained eye, you may not be able to recognize the damages to your home until they are compounded over time and other elements cause leaks and secondary damages. <strong>If you have been in a hail storm like the one in Brookshire last night you likely have hail damage.</strong> Your insurance company will cover damages for hail in most cases. But before you file a claim there are some things that you might want to know about your insurance policy. Also, keep in mind that the insurance company will want to minimize the damages so they reduce their liablity to pay out on an insurance claim settlement. Their adjusters are trained to save them money.</p>
<h3>Get Up To 750% More On Your Insurance Settlement For Hail Damage</h3>
<p>This is where you might want to consider hiring a private insurance adjuster known as a Public Adjuster. A Public Insurance Adjuster is licenced in an area like Brookshire Texas to work with policy holders to get fair claim settlements. In fact, a public insurance adjuster can get <a title="Up to 750% More on Insurance Claim Settlement" href="http://statepublicadjuster.com/blog/florida-supreme-court-justice-support-public-adjusters/" target="_blank">up to 750% more on an insurance claim settlement</a> than you can on your own without an adjuster.</p>
<p>Randell Smith, A Public Adjuster in Texas, is a qualified Public Insurance Claims Adjuster that specializes in hail damages. Randell has a unique eye for spotting damages because of his history in many facets of construction. Knowing what a roof is supposed to look like makes spotting inconsistencies produced by storm damage even easier. To the untrained eye, these flaws in a the roof line would go unnoticed by many &#8220;trained&#8221; insurance adjusters that your insurance company will send out to assess your damages.</p>
<p>Which would you rather have: an insurance adjuster that is on your insurance companies payroll, or an independent public adjuster who works for you and not the insurance company?</p>
<p>So&#8230;again&#8230;if you live in an area where there has been a hail storm <strong>YOU LIKELY HAVE HAIL DAMAGE. </strong>Call Randell Smith, State Public Adjuster, for a FREE consultation to evaluate the extent of your damages and to help you make a fair insurance settlement.</p>
<p style="text-align: center;"><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png"><img class="size-full wp-image-66 aligncenter" alt="Hail Damage Brookshire Texas Public Adjuster " src="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png" width="471" height="129" /></a></p>
<h3>Schedule A Free Consultation Today!</h3>
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		<title>How To Read An Insurance Policy</title>
		<link>http://statepublicadjuster.com/blog/how-to-read-an-insurance-policy/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-read-an-insurance-policy</link>
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		<pubDate>Wed, 06 Mar 2013 21:30:55 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/how-to-read-an-insurance-policy/">How To Read An Insurance Policy</a>
</p><p>How to Read An Insurance Policy The last thing you want to do is learn how to read an insurance policy after you need to make a claim. The fact of the matter is reading an insurance policy can be one of the most sterile reads you have ever had (sample document). It is not...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/how-to-read-an-insurance-policy/">How To Read An Insurance Policy</a>
</p><h4>How to Read An Insurance Policy</h4>
<article>The last thing you want to do is learn how to read an insurance policy after you need to make a claim. The fact of the matter is reading an insurance policy can be one of the most sterile reads you have ever had (<a title="How To Read An Insurance Policy: Sample Document" href="http:/http://www.tgiinsurance.com/VacantPolicySpecimen.pdf" target="_blank">sample document</a>). It is not like grabbing a warm blanket and reading a New York Times Best Seller. As dry as the read may be it is important that you understand this complex document because in it lies the answer to all of your questions about what is covered under your policy and what is not.To help you gain a better understanding of how to read an insurance policy, State Public Adjuster Randy Smith offers the following tips to reading an insurance document by breaking down the basic anatomy of and insurance policy.</article>
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<h4>The Most Important Things In An Insurance Policy:</h4>
<ul>
<li><strong>Policy Declarations Page</strong> – The policy declarations page is essentially the very  first page of the insurance policy. This page lists the nsured policy holder and those covered by the policy as well as the time period covered by the policy. The declaration page also describes what is actually insured, what is covered and the limitations of the coverage.</li>
<li><strong>Policy Definitions</strong> – Since these documents are binding the language is important. The policy definitions section gives you the definitions of words and phrases you’ll see in the policy. For example: “Property” and “Deductible” are two terms often found in an home owners policy. The words that you find in the definitions section will usually appear in bold text throughout the entire document so that you can refer back to the definitions pages if you have any questions about a particular element of your document.</li>
<li><strong>Policy Coverages</strong> – The policy coverages section describes tells the homeowner specifically what is covered and what parts of the property is covered. This policy coverage page also details what each item is covered for. For example, there may be some part of your insurance policy coverages that states physical damage to garage doors by wind blown objects is or is not covered under this policy. There will be details of policy coverages that you should be familiar with before filing a claim.</li>
<li><strong>Policy Exclusions</strong> – The policy exclusions describe what is limited by the insurance policy or how existing coverage may be forfeited due to how a loss occurs. For example, in the event of misuse of a covered item or damage beyond that of normal wear and tear, may be a policy exclusion. Insurance companies  may allow policyholders to purchase additional coverage for some exclusions at a higher premium. For example, earthquake coverage may be excluded for people who live in an area where earthquakes are unlikely to happen like Texas. However, if a customer would feel more comfortable with the coverage, they could buy it back. Residents of California may not need Hurricane insurance but might opt to buy it at a premium.</li>
<li><strong>Policy Limits and Special Limits</strong> – The limits and special limits section of the policy is where the insurance company specifies the limitations of what they are willing to pay under certain conditions and certain claims. For example the insurance company may limit the amount of payment to an exact dollar amount or a percentage of a total amount.</li>
<li><strong>Policy Conditions</strong> – The policy conditions section of the policy spells out the role of the insurer and the insured. You might expect to find the cancellation policy, terms of use, or instructions on when payments are due.</li>
<li><strong>Policy Duties After aLoss</strong> – This section of your policy tells you what to do in the event you need to make a claim. It may also instruct the policy holders on emergency remedies to prevent further damage to your home or structure.</li>
<li><strong>Policy Endorsements</strong> – Additional coverages are listed in the policy endorsements section. Like the policy exclusions section the policy endorsments section would be the place you would find the additional purchase of hurricane and earthquake insurance as stated in our example above.</li>
</ul>
</article>
<article>
<aside>While reading this document may be a daunting task, it is important none-the-less to learn how to read an insurance policy. As a homeowner there are some things in your policy that are beneficial to you to know and understand in the event of an emergency. Should you find yourself in a place where you must file an insurance claim and don&#8217;t have time to learn how to read an insurance policy, get help. It is important for you to understand what is covered by your insurance policy.</p>
<h4>Still Need Help Learning How To Read An Insurance Policy?</h4>
<p>Great news! Randell Smith State Public Adjuster can help you understand your policy and then go to work to help you make your claim and get a fair insurance claim settlement. Randell Smith knows insurance policies like the back of his hand. There is not part of a policy that Randell Smith State Public Adjuster can&#8217;t help you to translate.</p>
<p>While knowing the terms of your insurance policy is vital, you don&#8217;t have to know how to read an insurance policy to benefit from it when you have the expertise of Randell Smith. As a Public Adjuster it is Randell&#8217;s job to represent you on your insurance claim, and help you uncover the most money available to you in a fair claim settlement.</p>
<p>If you need help learning how to read an insurance policy, give Randell Smith from State Public Adjuster a call today! If you have recently found yourself needing to file a claim and don&#8217;t have the time or energy to learn how to read an insurance policy, contact Randell for a <strong>FREE CONSULTATION</strong>. Public Insurance Adjusters can help their clients get up to 750% more on their insurance claim settlement than policy holders traditionally get on their own. It just makes sense to hire a public adjuster. They work for you and not the insurance company. Whether you have already filed your claim or not we can still help!</p>
<p style="text-align: center;"><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png"><img class=" wp-image-66 aligncenter" alt="How to read an insurance policy" src="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png" width="283" height="77" /></a></p>
<h4>Contact Us Today For Your Free Consultation</h4>
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		<title>Insurance Claim Settlement Tips</title>
		<link>http://statepublicadjuster.com/blog/insurance-claim-settlement-tips/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=insurance-claim-settlement-tips</link>
		<comments>http://statepublicadjuster.com/blog/insurance-claim-settlement-tips/#comments</comments>
		<pubDate>Thu, 14 Feb 2013 20:39:59 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/insurance-claim-settlement-tips/">Insurance Claim Settlement Tips</a>
</p><p>Insurance Claim Settlement Tips From State Public Adjuster Know your policy &#8212; know what’s covered, what’s excluded and what the deductibles are. State Public Adjuster Randell Smith (A Public Adjuster) can help you comb through the details of your policy to get past the legal jargon to what is covered and what is not covered...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/insurance-claim-settlement-tips/">Insurance Claim Settlement Tips</a>
</p><h4><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png"><img class="size-full wp-image-66 aligncenter" alt="Texas Fires Public Insurance Claim Adjuster Randell Smith" src="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png" width="471" height="129" /></a></h4>
<h4>Insurance Claim Settlement Tips From State Public Adjuster</h4>
<ul>
<li>Know your policy &#8212; know what’s covered, what’s excluded and what the deductibles are. State Public Adjuster Randell Smith (<a title="A Public Adjuster" href="http://www.publicadjusterdirectory.com/search.php?state=TX" target="_blank">A Public Adjuster</a>) can help you comb through the details of your policy to get past the legal jargon to what is covered and what is not covered under you policy so that you will understand your rights as a policy holder</li>
<li>Don&#8217;t wait to file a claim, file as soon as possible. State Public Adjuster Randell Smith can help you file your claim to help improve your chances of getting the best possible claim settlement resolution. In some cases a public adjuster can help you get up to 750% more than you could alone.</li>
<li>Get the paperwork done correctly. Many claims are denied simply because the &#8220;i&#8217;s&#8221; are not dotted and the &#8220;t&#8217;s&#8221; are not crossed. Randell Smith, State Public Adjuster, can help make sure that your documents are in order before presenting a claim to your insurance company.</li>
<li>Keep records of all your correspondences. Make notes concerning your telephone and in-person contacts, including the date, name and title of the person you spoke with and what was said. Also, keep a record of your time and expenses. Or simply hire a publi adjuster like Randell Smith from State Public Adjuster. Leave the details to us. We are your advocate and representative to the insurance companies. You can relax, knowing that your case is in expert hands.</li>
<li>If you decisde to go it alone, ask a lot of questions. Get specific details if you see any discrepencies. Have the insurance company show you in writing the answers to your specific concerns and how they relate to your policy. Discover where in your policy these claims are spelled out succinctly. If your claim is denied, find out what clause or article in your policy was the cause of the denial and have your insurance company cite these reasons in a letter of explanation. Then hire State Public Adjuster Randell Smith, we can help you put the pieces together and go after any monies rightfully owed to you. Of course you can skip this step by calling us first!</li>
<li>Don’t jump right into the first offer on a settlement, especialluy if the first offer made by an insurance company does not meet your expectations, be prepared to negotiate to get a fair claim settlement. If you have any questions regarding the fairness of your settlement, seek the professional advice of claims expert Randell Smith of State Public Adjuster.</li>
<li>Many homeowners policies require that you make temporary repairs to protect your property from further damage that might result if temporary repairs are not made. For instance, if you have roof damage, your policy may require you to cover your roof to prevent water from entering your home and causing additional damages. Your policy in most cases should cover the cost of these temporary repairs, so keep all of your receipts and document the repairs that you have made. It is good to take photos if possible before and after temporary repairs are made. Also, keep records of any damaged personal property by taking photos for the adjuster to inspect. If it is feasible for you to keep the actual damaged property then do so. Randell Smith is able to help you get what is rightfully yours in a fair claims settlement by using this documentation to show that you have been faithful to your end of the policy.</li>
<li>Let Randell Smith of State Public Adjuster visit your property to assess damages prior to making any temporary repairs. In some instance the insurance companies my deny your claim if repairs are made prior to inspection.</li>
<li>Inevitably the insurance will send their own adjuster out to review damages. Be sure ask the claims adjuster for an itemized explanation of their claim settlement offer. If possible contact us prior to the insurance adjusters visit so that we can instruct you on what to expect and what to ask the insurance adjuster. Remember that the insurance companies adjuster is in the pocket of the insurance company, even if they claim to be a third-party. A public adjuster, like Randell Smith of State Public Adjuster works for you and not the insurance company.</li>
<li>Remember A Public Adjuster Is Licensed And Trained To Help You Get A Fair Claims Settlement. It Is Your Right To Hire A Public Adjuster.</li>
<li>Finally, keep in mind that a public adjuster has a vested interest in helping you get the most on your claim settlement as we are paid a percentage of what we are able to get. This is why hiring a professional like Randell Smith is so important. Randell has experience in every facet of construction and can see damages that might evade more inexperienced adjusters. Furthermore, Randell has a significant track record of settling claims that exceed the expectations of his clients</li>
</ul>
<p>For more information visit us online at http://www.statepublicadjuster.com</p>
<p>For a FREE consultation to review your insurance claim contact us by filling out the form below.</p>
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		<title>Public Adjuster News</title>
		<link>http://statepublicadjuster.com/blog/public-adjuster-news/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=public-adjuster-news</link>
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		<pubDate>Tue, 27 Nov 2012 16:32:56 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
				<category><![CDATA[storm damage]]></category>

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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/public-adjuster-news/">Public Adjuster News</a>
</p><p>FOX News Business Article on Public Adjusters StatePublicAdjuster.com discovers and shares and interesting article from FOX Business Channel online that promotes public adjusters in a very positive light. In light of recent storms the reputation of qualified Public Adjusters is becoming more and more popular amongst those who are not satisfied with the settlements offered...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/public-adjuster-news/">Public Adjuster News</a>
</p><h2>FOX News Business Article on Public Adjusters</h2>
<p style="text-align: center;"><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png"><img class="wp-image-66 aligncenter" title="Texas Fires Public Insurance Claim Adjuster Randell Smith" src="http://statepublicadjuster.com/blog/wp-content/uploads/2011/03/logo.png" alt="Texas Fires Public Insurance Claim Adjuster Randell Smith" width="342" height="94" /></a></p>
<p style="text-align: left;">StatePublicAdjuster.com discovers and shares and interesting article from FOX Business Channel online that promotes public adjusters in a very positive light. In light of recent storms the reputation of qualified Public Adjusters is becoming more and more popular amongst those who are not satisfied with the settlements offered by insurance companies. In this article there are several valid points that one must consider when dealing with the claims process after a catastrophic storm.</p>
<p><strong>As homeowners assess the damage from Hurricane Sandy, many will be facing the process of filing insurance claims as they try to recoup from the historic storm.</strong></p>
<p>Navigating the claims process &#8212; understanding what a policy covers and how much of a cash payout should be expected &#8212; can be overwhelming, especially after experiencing a natural disaster. One option is to hire a public insurance adjuster (PIA), a licensed middleman who works on your behalf to help determine what you&#8217;re owed and who works with your insurer to make sure you get it. (See: &#8220;<a title="The $5000 Gap In Your Hurricane Coverage" href="http://www.insurance.com/home-and-renters-insurance/natural-disasters/hurricane-home-insurance-deductible.html?WT.qs_osrc=fxb-150060110" target="_blank">The $5,000 gap in your hurricane coverage.</a>&#8220;)</p>
<p>&#8220;Generally speaking, it&#8217;s a good idea to use a public insurance adjuster, especially if the claim may be $10,000 or more,&#8221; says David Barrack, the executive director for the National Association of Public Insurance Adjusters (NAPIA). &#8220;It&#8217;s really a judgment call for the policyholder, but we do try to help them get everything that&#8217;s due.&#8221;</p>
<p><strong>That second opinion comes with a fee:</strong></p>
<p>Barrack explains that public insurance adjusters generally charge about 10% of the final settlement, so you&#8217;d pay about $2,000 if your claim settlement is $20,000. If they&#8217;re able to recoup more than you would by filing a claim by yourself, a public insurance adjuster&#8217;s service pays for itself.</p>
<p>Lynne McChristian, a spokesperson for the Florida office of the Insurance Information Institute (III), says PIAs may be a good option, but only if you&#8217;re not satisfied with the settlement offered through your insurer&#8217;s adjuster. She points out that you&#8217;re already charged for the insurer&#8217;s claim adjustment through your premium.</p>
<p>&#8220;Give your insurance company the chance to show you how much they are going to give you, especially since you&#8217;ve already shouldered the cost,&#8221; McChristian says. &#8220;If there are concerns with the amount, or other issues, then think about going to a PIA.&#8221;</p>
<p>However, many public insurance adjusters recommend that you bring them in at the beginning of a large claim, rather than in the middle. That way they can help streamline your claim and paperwork from the start, rather than sorting out problems weeks or months later.</p>
<p><strong>Public insurance adjusters may reduce the stress that comes from filing</strong></p>
<p>Despite the extra cost, a public insurance adjuster may bring peace of mind during times of duress. McChristian, Barrack and Pete Moraga, a spokesperson for the Insurance Information Network of California, agree that a public insurance adjuster could also be useful if the policyholder wants to avoid the stress of making a large or complicated claim alone. (See: &#8220;<a title="Hurricanes and Insurance: 5 Must-Know Facts." href="http://www.insurance.com/home-and-renters-insurance/natural-disasters/isaac-windstorm-flood.html?WT.qs_osrc=fxb-150060110" target="_blank">Hurricanes and insurance: 5 must-know facts</a>.&#8221;)</p>
<p>&#8220;Some people may be overwhelmed by the long and arduous task of paperwork, correspondence and phone calls that the process entails, and may want someone else to handle the job,&#8221; says Moraga.</p>
<p>However, Moraga and the NAPIA are quick to caution people to look for licensed and qualified public insurance adjusters, especially following catastrophes like Hurricane Sandy.</p>
<p>&#8220;After major disasters, unlicensed public adjusters and unlicensed contractors descend on the disaster scene to try to rip homeowners off,&#8221; Moraga says. &#8220;This is a very vulnerable time for these homeowners as they are still in shock after losing their home.&#8221; (See: &#8220;<a title="5 Signs Fraudsters Have Targeted You After A Natural Disaster" href="http://www.insurance.com/home-and-renters-insurance/natural-disasters/disaster-and-home-insurance-fraud.html?WT.qs_osrc=fxb-150060110" target="_blank">5 signs fraudsters have targeted you after a natural disaster.</a>&#8220;)</p>
<p>Jeanne Salvatore, spokesperson for the III, says homeowners can check with their state department of insurance to determine if a public adjuster is legitimate. The NAPIA can also help you find one, through the public adjuster search feature at its website.<br />
The NAPIA offers a few tips for anyone considering hiring a public insurance adjuster:</p>
<p>Before you sign anything, ask if the adjuster is licensed, for documentation of his or her experience, for a list of references and if he or she has a website or local office. Check with your state&#8217;s insurance department to see if he or she has been cited by regulators for poor or unethical performance.</p>
<p>Be aware that insurers cannot prohibit a home or property owner from using a public insurance adjuster during the claim process.<br />
Keep in mind that independent adjusters hired by insurers and their own adjusters &#8220;represent the interests of the insurance company and do not necessarily represent the interests of the claimant,&#8221; according to the NAPIA.</p>
<p>Be aware that some contractors and roofers may say they&#8217;re licensed public adjusters when they aren&#8217;t. Again, ask for references and check for the proper credentials.</p>
<p><strong>The III website offers these tips for how to prepare for a claims adjuster visit:</strong></p>
<p>Prepare an inventory of damaged or destroyed items and give a copy to the adjuster. Don&#8217;t throw out damaged items until the adjuster has visited. Consider photographing or videotaping the damage.</p>
<p>If you need to make temporary repairs, keep receipts and give these to the adjuster. Do not make permanent repairs until an adjuster has visited the property.</p>
<p>Make a list of everything you want to show the adjuster &#8212; for example, cracks in the walls and missing roof tiles. You should also get the electrical system checked. Most insurance companies pay for these inspections, according to the III.<br />
Get written bids from licensed contractors. The bids should include details of the materials to be used and prices on a line-by-line basis.</p>
<p>Keep copies of the lists and other documents you submit to your insurance company. Also keep copies of whatever paperwork your insurance company gives you and record the names and phone numbers of everyone to whom you speak.</p>
<p><strong>The original article can be found at Insurance.com:</strong></p>
<h4><strong>After Hurricane Sandy: Public insurance adjusters can streamline big claims</strong></h4>
<p>Read more:<a title="Article Source" href=" http://www.foxbusiness.com/personal-finance/2012/10/31/after-hurricane-sandy-public-insurance-adjusters-can-streamline-big-claims/#ixzz2DRISaNOR" target="_blank"> http://www.foxbusiness.com/personal-finance/2012/10/31/after-hurricane-sandy-public-insurance-adjusters-can-streamline-big-claims/#ixzz2DRISaNOR</a></p>
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		<title>A Public Adjuster Group Serving Dallas</title>
		<link>http://statepublicadjuster.com/blog/a-public-adjuster-group-serving-dallas/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=a-public-adjuster-group-serving-dallas</link>
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		<pubDate>Wed, 22 Aug 2012 19:26:42 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/a-public-adjuster-group-serving-dallas/">A Public Adjuster Group Serving Dallas</a>
</p><p>A Public Adjuster Group Serving Dallas Texas State Public Adjuster, Randell Smith, from A Public Adjuster Group proudly serves the Dallas, Ft. Worth area. As a part of the continued service in the State of Texas, Randell has identified the need for his services in areas that have been recently impacted by major storm damage,...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/a-public-adjuster-group-serving-dallas/">A Public Adjuster Group Serving Dallas</a>
</p><h2>A Public Adjuster Group Serving Dallas Texas</h2>
<p>State Public Adjuster, Randell Smith, from A Public Adjuster Group proudly serves the Dallas, Ft. Worth area. As a part of the continued service in the State of Texas, Randell has identified the need for his services in areas that have been recently impacted by major storm damage, including: hail damage, tornado damage, flood damage, fire damage and more.</p>
<p>To meet the need of the Dallas area StatePublicAdjuster.com has made two new online sites available for local search results in the Dallas Area.</p>
<ul>
<li><a title="Public Adjuster Dallas" href="http://publicadjusterdallas.com/" target="_blank">Public Adjuster Dallas</a></li>
<li><a title="Public Adjuster Grand Prairie" href="http://publicadjusterdallas.com/public-adjuster-grand-prairie-texas/" target="_blank">Public Adjuster Grand Prairie</a></li>
<li><a title="Public Adjuster Lakewood" href="http://publicadjusterdallas.com/a-public-adjuster-lakewood-dallas-texas/" target="_blank">Public Adjuster Lakewood</a></li>
</ul>
<p>As the Public Adjuster Group grows in scope we will be adding more local sites and optimizing them top level exposure on the search engines. If you are a contractor and want to benefit from our growth, contact us and add the following script to your website:</p>
<blockquote><p>&lt;a href=&#8221;http://www.statepublicadjuster.com&#8221;&gt;Contact State Public Adjuster To Get Up To 750% More On Your Insurance Claim Settlement!&lt;/a&gt;</p></blockquote>
<p>You benefit by helping your clients get more money to complete more work on their storm damage repairs. This means <em><strong>MORE MONEY IN YOUR POCKET</strong></em> at the end of the day! If you have questions about how you can partner with StatePublicAdjuster.com or A Public Adjuster Group, contact us today! We are happy to help you any way we can.</p>
<h3>Contact Us Now!</h3>
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		<title>Colorado Fire Public Adjuster Fire Damage Claim Settlement</title>
		<link>http://statepublicadjuster.com/blog/colorado-fire/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=colorado-fire</link>
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		<pubDate>Wed, 11 Jul 2012 21:53:41 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/colorado-fire/">Colorado Fire Public Adjuster Fire Damage Claim Settlement</a>
</p><p>Colorado Fire Update The most destructive Colorado fire in its history – which killed two people, scorched almost 30 square miles and destroyed more than 300 homes in less than three weeks – is now fully contained. While not all of the fires are completely out it looks as though the diligence and hard work...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/colorado-fire/">Colorado Fire Public Adjuster Fire Damage Claim Settlement</a>
</p><h2>Colorado Fire Update</h2>
<p><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2012/07/fire-damage-State-Public-Adjuster.jpg"><img class="alignleft  wp-image-724" style="margin-left: 10px; margin-right: 10px;" title="fire-damage-State-Public-Adjuster" src="http://statepublicadjuster.com/blog/wp-content/uploads/2012/07/fire-damage-State-Public-Adjuster.jpg" alt="Fire Damage Public Adjuster Corado" width="298" height="197" /></a></p>
<p>The most destructive Colorado fire in its history – which killed two people, scorched almost 30 square miles and destroyed more than 300 homes in less than three weeks – is now fully contained. While not all of the fires are completely out it looks as though the diligence and hard work of fire fighters and volunteers has paid off.</p>
<p><strong><a href="http://www.latimes.com/news/nation/nationnow/la-wildfire-20120530-photos,0,6554965.photogallery">PHOTOS: U.S. wildfires 2012</a></strong></p>
<p>Beginning on  June 23rd and causing an estimated $15 million in damages and almost as much, if not more to contain, the fire which burned for 17 days and caused the evacuation of over 3o,000 people, has been compared to the fires which recently ravaged the Texas hill country. The Waldo Canyon fire, as it is called, gained national attention and has been declared a federal disater.</p>
<p>Apparently the fire damage will have some longer lasting effects as the tree&#8217;s and root structures which prevent erosion will likely lead to increased mudslide activeity. To prevent erosion, the once beautiful landscaped hillsides will be covered with fiber roll.</p>
<p>In the event that you or someone you know have been impacted by the Colorado fires there are several actions that you can take to get relief and restoration for your property damages. Your local authorities can direct you to places that might be able to provide assistance for your immediate needs. We encourage you to contact your local church for support. In Colorado Springs there is a Rocky Mountain Calvary Chapel, which we know is a great church and part of an even bigger community of believers that are geared up to serve.</p>
<p>When it comes time to seek a settlement from your insurance company (whether your house was directly impacted by the fires or not), give us a call. Did you know that your home may still have smoke damage even if your house did not get touched by one lick of flame? It is true, many homeowners do not realize that they are eligible for insurance claims. The best thing that you can do is contact a local public adjuster.</p>
<p>If you have had  a fire you will have the need for smoke damage cleaning or replacement to your home. You are likely wondering if you should have a company come out and clean the damaged areas or if you should start from scratch and just replace everything. This is a great question and one that expert in smoke damage claims, Randell Smith, State Public Adjuster will help you decide.</p>
<p>Randell Smith has over 30 years experience as a public claims adjuster and has seen just about every kind of fire related claim  where smoke damage cleaning or replacement is necessary. Without seeing the actual damages it is difficult to assess which course of action is best, but here are some things you should consider when determining whether to repair or replace your fire damage areas.</p>
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		<title>DALLAS &#8211; Hail storm</title>
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		<pubDate>Fri, 15 Jun 2012 01:27:26 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
				<category><![CDATA[Hail Damage]]></category>
		<category><![CDATA[storm damage]]></category>
		<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/dallas-hail-storm/">DALLAS &#8211; Hail storm</a>
</p><p>DALLAS &#8211; The hail storm is shaping up to be a short but expensive event. The Insurance Council of Texas now says the cost of the storm may exceed $400 million, which is more than the tab for the April tornadoes in Arlington and Forney. Much of the damage was to cars. Based on conversations...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/dallas-hail-storm/">DALLAS &#8211; Hail storm</a>
</p><p>DALLAS &#8211; The hail storm is shaping up to be a short but expensive event.</p>
<p>The Insurance Council of Texas now says the cost of the storm may exceed $400 million, which is more than the tab for the April tornadoes in Arlington and Forney.</p>
<p>Much of the damage was to cars. Based on conversations with major insurance carriers, News 8 estimated more than 10,000 people have already filed automotive claims.</p>
<p>&#8220;It sounded like a war,&#8221; said Jay Knearem, a Lakewood resident, describing the noise of the hail pounding down.</p>
<p>Thursday, he was ready to put the damage behind him, taking his car to Woodard&#8217;s Body Shop in Dallas. But Woodard&#8217;s was so busy, they turned him away with an estimate of $3,500 to repair his car.</p>
<p>At this point the shop is only taking cars that cannot be driven.</p>
<p>&#8220;I&#8217;m going to wait a couple weeks because everybody is jammed right now,&#8221; he said. &#8220;That&#8217;s what they say. It&#8217;s the second place I&#8217;ve been to.&#8221;</p>
<p>&#8220;We have been swamped,” said Vicki Johnson, with Woodard’s.</p>
<p>She said customers will need more than a little patience before they can put all the pieces back together.</p>
<p>An industry group told News 8, most cars will be totaled because the hail was so large.</p>
<p>The insurance companies have designated this a &#8220;catastrophe,” and many are sending in mobile claims centers. Some will be here as early as Friday.</p>
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<h3>Contact Randell Smith, Public Adjuster to get a fair claim settlement!</h3>
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<p><a href="DALLAS - The hail storm is shaping up to be a short but expensive event.  The Insurance Council of Texas now says the cost of the storm may exceed $400 million, which is more than the tab for the April tornadoes in Arlington and Forney.  Much of the damage was to cars. Based on conversations with major insurance carriers, News 8 estimated more than 10,000 people have already filed automotive claims.  &quot;It sounded like a war,&quot; said Jay Knearem, a Lakewood resident, describing the noise of the hail pounding down.  Thursday, he was ready to put the damage behind him, taking his car to Woodard's Body Shop in Dallas. But Woodard's was so busy, they turned him away with an estimate of $3,500 to repair his car.  At this point the shop is only taking cars that cannot be driven.         &quot;I'm going to wait a couple weeks because everybody is jammed right now,&quot; he said. &quot;That's what they say. It's the second place I've been to.&quot;  &quot;We have been swamped,” said Vicki Johnson, with Woodard’s.  She said customers will need more than a little patience before they can put all the pieces back together.  An industry group told News 8, most cars will be totaled because the hail was so large.  The insurance companies have designated this a &quot;catastrophe,” and many are sending in mobile claims centers. Some will be here as early as Friday.     http://www.wfaa.com/news/local/Damage-from-hail-storm-may-exceed-400-million-159112595.html">http://www.wfaa.com/news/local/Damage-from-hail-storm-may-exceed-400-million-159112595.html</a></p>
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		<title>Grand Prairie Texas, Baseball Sized Hail Storm Damage</title>
		<link>http://statepublicadjuster.com/blog/grand-prairie-texas-baseball-sized-hail-storm-damage/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=grand-prairie-texas-baseball-sized-hail-storm-damage</link>
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		<pubDate>Thu, 14 Jun 2012 18:46:38 +0000</pubDate>
		<dc:creator>adminrsmith</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Baseball Sized Hail]]></category>
		<category><![CDATA[Grand Prairie Hail]]></category>
		<category><![CDATA[Grand Prairie Texas Hail]]></category>
		<category><![CDATA[Hail Damage Grand Prairie]]></category>
		<category><![CDATA[Hail Storm Damage Grand Prairie]]></category>
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		<description><![CDATA[<p><p><a href="http://statepublicadjuster.com/blog/grand-prairie-texas-baseball-sized-hail-storm-damage/">Grand Prairie Texas, Baseball Sized Hail Storm Damage</a>
</p><p>Baseball Sized Hail Grand Prairie Texas Hail Storm Grand Prairie Texas (June 14th, 2012). Baseball size hail pummels Grand Prairie Texas. State Public Adjuster, Randell Smith, on scene in Grand Prairie Texas sends reports and images of Hail storm damage which occured during yesterdays storm which hit the community by surprize. Residents of Grand Prairie...</p></p><p><a href="http://statepublicadjuster.com/blog">Randell Smith - A Public Adjuster - Randell Smith - A Public Adjuster Blog</a></p>]]></description>
				<content:encoded><![CDATA[<p><a href="http://statepublicadjuster.com/blog/grand-prairie-texas-baseball-sized-hail-storm-damage/">Grand Prairie Texas, Baseball Sized Hail Storm Damage</a>
</p><p><a href="http://statepublicadjuster.com/blog/wp-content/uploads/2012/06/baseball-sized-hail1.png"><img class="alignleft size-full wp-image-708" style="margin-left: 0px; margin-right: 10px;" title="baseball-sized-hail" src="http://statepublicadjuster.com/blog/wp-content/uploads/2012/06/baseball-sized-hail1.png" alt="Baseball Sized Hail Fom the Grand Prairie Texas Hail Storm June 13th, 2012" width="350" height="218" /></a></p>
<h3>Baseball Sized Hail Grand Prairie Texas Hail Storm</h3>
<p>Grand Prairie Texas (June 14th, 2012). Baseball size hail pummels Grand Prairie Texas. State Public Adjuster, Randell Smith, on scene in Grand Prairie Texas sends reports and images of Hail storm damage which occured during yesterdays storm which hit the community by surprize. Residents of Grand Prairie report hearing what sounded like crashing train moving in from the South. Randell sent us some photos of the actual hail in scale. There were reports of a tornado that  was spotted by motorists just off of I-20.</p>
<p>If you have a home or business in Grand Prairie, Texas, you suffered hail damages. This event is documented and you do have a case for your insurance company. The problem is that your insurance company will likely low-ball the amount they are willing to pay out in claims. This is where you need the help from a Public Insurance Adjuster.</p>
<p>Public adjusters represent you, the property owner, and not the insurance company. Public adjusters make their living by doing a thorough examination of your &#8220;actual damamges&#8221; and then representing your claim to your insurance company to get you a fair claim settlement. Many times a public adjuster can get clients up to 70% or more on their insurance claims!</p>
<p>Don&#8217;t just settle with your insurance company. Call on the professional services of a public insurance adjuster.</p>
<p>Randell Smith is a public insurance adjuster with over 20 years experience in all facets of construction. Knows and understands where damage exists and where it does not. Many &#8220;insurance adjusters&#8221; are fresh out of college (if they even went) and wet behind the ears. Trust your home, one of your largest investments, to the capable hands of an adjuster that works for you and not the insurance company!</p>
<p>For A Free Consultation In Grand Prairie Texas Contact Randell on the form below.</p>
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