Black Label Adjusting

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Texas man identified as serial ra**st in Bastrop County | FOX 7 Austin Officials say after nearly three decades of investigating, they've identified the person who they believe r***d several elderly women in Bastrop County betwe...

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What is parametric insurance? | Swiss Re Parametric insurance is a relatively new solution. Discover what parametric solutions are, and how they compare to more traditional types of insurance.

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13 Investigates: Houston area homeowners risk ditching insurance amid 'unsustainable' rates "This increase in insurance can't continue. It's unsustainable," one Texas homeowner said in response to skyrocketing home insurance rates.

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State Farm canceling policies. US Housing Market on verge of insurance collapse. The US Housing Market is getting hit by a collapse in the property insurance market in early 2025, with several regions around America facing an exodus of in...

With holiday lights being put up and out, Christmas trees not getting properly watered, and heaters being set to close to flammable objects, fire are bound to occur. Praying everyone stays safe this winter.

If you find yourself, neighbors, families or friends in a fire, smoke or water situation, please reach out to me. I am a Public Insurance Adjuster. Believe it or not, the insurance company brings out and/or recommends their water and fire restoration technicians who are more likely to handle the claim that benefits the insurance company. I would rather help people get properly restored than to see four weeks down the road getting hired and explaining how furniture should have been trashed rather than stored and “cleaned.” Storage and “cleaning” takes money from the personal property coverage limit leaving you with reduced, little, or no monies to buy replacement items. Four weeks later, there will be no additional removal of damaged material, such as drywall or cabinetry.

I am IICRC Fire & Smoke, as well as Odor certified. I have insurance adjusting and public adjusting licenses. I have a 33-yr. trial paralegal background and am a Senior Claim Law Associate.

Email me or call: [email protected] or 713-565-2067.

Sharon Justice Black
Lady Justice Consulting Group, tipping the scales in your favor!

Texas Fair Plan (TFP) is a quasi-government agency, like TWIA, which provides the insurance of last resort. The statutes have made these policies ACV policies, not replacement. Think long and hard about that. Your damages get depreciated perhaps up to 50%. You have to pay your large deductible, leaving the majority of the damages on your shoulders to pay.

You only get a TFP policy if your house is in disrepair and at least two other carriers decline you coverage. It is time to get busy fixing your or your family members’ houses. The homeowners policies are not “maintenance” policies. Make this a priority and get busy. Oh yeah, remember to vote smart, so you can have more money to get things done. Just sayin’.

Texas Fair Plan Association This summary is for informational purposes only and may be subject to change; it is not intended to replace the TFPA Underwriting Manual.

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Steven Badger on LinkedIn: A well-respected policyholder attorney sent me a policy endorsement… | 180 comments A well-respected policyholder attorney sent me a policy endorsement yesterday that she had just read in a potential new matter she was reviewing. She… | 180 comments on LinkedIn

Steven Badger, insurance defense attorney:

As everyone knows, my early morning routine includes reading Chip Merlin's excellent daily blog. Not only because he often mentions me (lol), but primarily because it is probably the best source of information in the industry on hot topics involving the first-party property insurance industry.
Although I wasnt mentioned in today's blog (but I was anonymously quoted), it was one of his recent best. Chip just finished a three-part series on supplementing, including the growing industry of "supplementing companies." He addresses all the issues arising in the supplementing process.
I wont rehash everything Chip discusses, as I agree with most everything he stated, but I will add just this....
--Legitimate supplements submitted by the real brick-and-mortar contractor who did the work should absolutely be considered. If the contractor timely gave notice of the need for a supplement, the work had to be done pursuant to code and manufacturer requirements, the work actually was done, and the work was covered by the policy, then the supplement should be paid. And I have no problem with the contractor calling the insurance company and explaining the supplement (which is not UPPA).
--Insurance companies have no obligation to negotiate a supplement with a third-party company a thousand miles away who has never been to the loss site, who wrote a new Xactimate estimate after the work was done adding additional line items for the first time, who calls the insurance company and lies about being the actual contractor who did the work, and who takes a percentage of the supplement amount (which is UPPA).
I encourage everyone to read Chip's entire three part series on supplements. No doubt Chip and I will spend some time on the issue at Bob Norton's IAUA Certification Course in Badgerland (Park City) next week. A lot of appraisal demands are being filed based strictly on disputes involving supplements.

Here's who's eligible to receive help from the Hurricane Beryl Recovery Fund Three $1 million donations were made by the Sarofim Foundation, H-E-B and the CenterPoint Energy Foundation to kickstart the recovery efforts.