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Consumer Advocacy Series

The Homeowner's Insurance Playbook

A Weekly Series by Freddie Reinwald — Consumer Advocate & Insurance Restoration Specialist

An 8-week series exposing the tactics insurance carriers use against Texas homeowners — and arming you with the knowledge to fight back.

From Our Blogger January 9, 2016 5 min read

HANDLING YOUR INITIAL INSURANCE CLAIM REQUEST

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…

By RoofingProTX
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From Our Blogger September 29, 2015 24 min read

Mark Romano, whistleblower from ALLSTATE tells how some insurance companies rig the system

Former Allstate executive turned whistleblower, was in charge of a computer program called "Colossus" that calculates money people are paid in claims. He "tuned" the program to increase profits, which he says was unfair to customers.…

By RoofingProTX
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From Our Blogger July 15, 2015 2 min read

Florida Has Most Lightning Claims but Texas Has Highest Cost Per Claim

July 6, 2015 (Insurance Journal) The number of insurance claims from lightning strikes in the United States continued its steady decline, as severe thunderstorm activity eased from near-record levels and dry weather prevailed throughout…

By RoofingProTX
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From Our Blogger June 23, 2015 2 min read

If I file a claim will it raise my premium???? The truth behind the lies...

Often I get asked if filing a claim will raise my premium or annual amount. I like to be as frank and truthful with clients as possible. Most adjusters would just say, “That’s not my area of expertise. ” The answer is that filing a…

By RoofingProTX
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From Our Blogger June 16, 2015 2 min read

When hail strikes, what do you do???

When hail strikes, it can be devastating for homeowners. Many homeowners call our office in a panic after a hailstorm because their roof systems are damaged and they wonder whether they have adequate insurance coverage. We understand…

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From Our Blogger June 16, 2015 1 min read

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…

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From Our Blogger June 1, 2015 4 min read

Texas homeowner hail lawsuit-restriction bill should worry collision repairers

May 1, 2015 A bill that would make it more difficult for property owners to sue insurers for unpaid claims and limit the amount they can collect has passed the Texas Senate, and collision repairers should be concerned with the…

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From Our Blogger May 29, 2015 1 min read

EXPENSIVE HAIL DAMAGE MAY NOT BE OBVIOUS

Monday, April 20, 2015 -- The hail pounded a wide swath of our area. Now homeowners are cleaning up what's left. Kathy, a homeowner, only has a few more scoops of debris to collect from her yard, but she's worried enough about her roof…

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From Our Blogger May 28, 2015 5 min read

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

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…

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From Our Blogger April 23, 2015 4 min read

Choose a New Roof for Your Property

Style is an important factor when building your new home or renovating your existing property but it’s not the only factor. Cost, weight, and installation requirements commonly influence your selection. Here’s what you need to know:…

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From Our Blogger April 23, 2015 3 min read

Mississippi Attorney General Jim Hood sues State Farm since they enriched itself through Katrina homeowner program

From ROGELIO V. SOLIS — AP SunHerald.com Attorney General Jim Hood is suing State Farm Fire & Casualty Co. over millions of dollars he claims the state lost because the insurance company "maliciously" denied Hurricane Katrina claims for…

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From Our Blogger April 8, 2015 6 min read

Roofing Deductible Assistance Programs: Diagram of a Scheme Issues, Challenges, and Recommendations

Please be advised that this is an excerpt from Dallas BBB's report on Deductible Fraud from August 2012 Purpose On June 13, 2012, North Texas residents were pelted by a hailstorm which is estimated to eventually cost insurers a record…

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About the Author

Freddie Reinwald

University of Miami School of Law, 1996 — Suma Cum Laude. 35+ years in construction — from foundation to weather tower — specializing in insurance restoration, insurance claims, and insurance defense on behalf of property owners. Decades of research and field experience dealing specifically with the 'Delay, Deny, Defend' tactics used by the insurance industry against homeowners. Founder of Roofing Professionals of Texas, serving the Dallas-Fort Worth metroplex since 1986.

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