How to make your Future Brighter

How to make your Future Brighter

It’s pretty hard to make your future brighter when your present is feeling pretty dim. When things are going poorly in the now, it’s difficult to make decisions that can lead to a better future. Tough times feel like they are always going to be tough and it can make dread the common feeling. One of the most dreaded situations is when a fire breaks out in your home or business and you are forced to fight with the aftermath. Hopefully, you have fire insurance or you will be feeling that present and future dread for a long time.

But if this does happen and you do have fire insurance and can make a fire damage claim, don’t give in to that feeling. You can come back from that destruction and end up either back where you were (sometimes you can end up even better – I’ve seen this happen). So, hold on to hope and read up on what I think can help you find that brighter future we are talking about.

If you are living in the DFW area, I know of a group that can help you make a Dallas fire damage claim in the simplest of ways. This group is called Abba Claims and they specialize in the field of Public Adjusting. Basically this means that their company works on your behalf with your insurance firm to make sure you get your full money settlement back. You don’t want to get stuck with a settlement that doesn’t cover your repair and the restoration of your possessions. Talk about a continuing dread…

I recommend looking into their business and contacting them as soon as you can if you have had a fire. And if you just know someone who is going through this terrible process, pass this information along.

Fire Damage Claims in Dallas

Fire Damage Claims in Dallas

I know you have read some of my other articles about how to successfully navigate fire damage claims in Dallas, but I just wanted to reiterate the importance of using an adjuster for insurance claims. I had never really heard of what an adjuster can do for those who need help dealing with their insurance companies. But after dealing with a Texas Public Adjuster myself, I am convinced that everyone who has experienced a fire at his or her home or business would only profit from hiring an adjuster. Adjusters provide fire damage claim help by acting as advocates in the process of settling your claim with your insurance company. I can say from experience that insurance companies can make it hard for you to reclaim what you deserve as far as money so that you can get back your damaged or smoke damaged possessions. And if you try to go at it alone, it can be a super frustrating process that can drive you crazy. Texas Public Adjusters can handle this process for you and allow you to relax as you get a fair settlement.

There are so many testimonials out there that say exactly what I said above. So many people have benefitted from using an adjuster to help them and I want as many people as possible to get the right amount of money from their insurance company. I consider it my public service to alert people in the Dallas and Fort Worth areas about this issue. But I am interested in hearing from some of you out there who have either used a public adjuster to help with their claims or who have just tried to do it themselves. What were your results? Was the process as complicated as it seems or did you find it to be a simple process? Feel free to comment below so that we can all have the best information.

If you do decide to hire a public adjuster, I recommend a great company called Abba Claims. I know they are located in Dallas and do an exceptional job in dealing with fire damage claims. If you are on the fence, check them out at and see if they do what you need them to do.

Fire Damage Claim in Fort Worth

Fire Damage Claim in Fort Worth

Every day, houses and businesses catch fire all over the world leaving families and companies to struggle with the destruction. Sometimes it’s a contained fire that only affects parts of the houses or businesses but still these smaller fires create problems including smoke damage. And then there are the bigger fires, which consume everything. Either way, it’s a terrible mess and a difficult time.

In the Dallas area this year, there have been lots of both sorts of these fires especially in Fort Worth. For these people, besides dealing with the physical losses, they go through the emotional losses that come with fire damage. And they have to make or create a fire damage claim in Fort Worth, which is a really hard process. Fire damage claims with an insurance company can create even more stress, because several insurance companies don’t pay out the settlement that is necessary for a business or a family to recover what they have lost. So, what’s to do?

My best suggestion is for people who are dealing with fire damage insurance claims to hire a public adjuster. What is a public adjuster? Basically, they are professionals who make it their career to help someone get everything they can from an insurance company. They do all they can to “go to bat” for a business or individual to make sure they do receive a fair settlement from their insurance company. They become your partners and advocates with your well being in mind. Doesn’t that sound nice to have someone fighting for you? I know it sounds good to me.

Anyway, if you live in Texas you can reach a great public adjuster at a company called Abba Claims. They have a great record dealing successfully with insurance companies that are being tightfisted. You can check them out at If not them, there are several other public adjusting companies in the nation. I just recommend Abba because I have experience with them.

Anyway, that’s just my recommendation. If you have a fire damage claim to make, make use of a public adjuster and ensure a fair settlement for yourself.

Getting Help with Smoke Damage

Getting Help with Smoke Damage

In the Dallas area, especially in the Richardson area, there has been an uptick in small house fires during this winter season. Most of these fires were pretty easily contained and there was little to no structural damage to the houses or the possessions inside of these houses. But just because the fires did no structural damage, that does not mean there wasn’t significant smoke damage. And if you have ever had smoke damage, you know that the possessions that are affected might as well be ruined anyway. No amount of Febreze is going to cover over serious smoke damage.

So, what do you do if you have to file a smoke damage claim in Richardson? Well, if you have the right insurance you would just file a claim with them and hopefully they will cover you by paying out enough money to replace those items, which have been ruined by this smoke damage. But beyond that I would recommend that for Richardson smoke damage claims, you should hire a Texas public adjuster firm to help you get the right size of settlement from your insurance claim. Public adjusters are famous for holding insurance companies accountable for giving you a fair settlement. This is key because your insurance company might not want to offer you the right amount of money to replace your smoke damaged stuff. You definitely don’t want to enter into a battle with your insurance company without having professionals at your side who fight for you. Have you ever dealt with this struggle? If not, believe me that you want a well-reputed public adjuster company being the mediator between you and your insurance company.

That’s all just my advice. I welcome any of your opinions about using public adjuster firms. And I recommend that if you do decide to hire a Texas public adjuster that you look into a company called Abba Claims that is located in Dallas proper. Their website is Hope this helps anyone out there who has a smoky couch…

Fire Damage Claims

Dallas Fire Damage Claims

I never think about disasters hitting me. I take my home and its possessions for granted. Never would I imagine that I could lose it all in a moment’s time. Never would I imagine that a fire could happen around me and take away what I have spent a lifetime trying to gather. I have put everything together in all of the right places so that I can have a beautiful place to live. I’ve worked hard at it and my wife has too. We have a lot of valuables and everything seems to fit together so well. I’ll say it again: Never would I imagine that a fire could happen and take all of it away. If it did I don’t know what I would do. All that work and all that time gathering and placing and learning how to feng shui my home-world would just go up in flames and leave me wondering why. Why do such things happen to good people who just want to feel safe and have beauty around them? And what steps do you take to try to return to some normalcy after a fire occurs? These questions rage in my mind.

I live in Dallas and I have fire insurance with a reputable insurance company. But would they back me completely if I came to them with a fire damage insurance claim in Dallas? Would they see the value in my valuables or would they just give me the minimum leaving me to dwell in less than I had dwelled before? I had this conversation with a guy the other day and we both hoped beyond hope that our stuff wouldn’t be taken away in an instant. But we both know friends who have lost everything with a single spark and we both know that it could happen to us. And these friends had to deal with stubborn insurance companies that wouldn’t give them a fair settlement (they filed a fire damage claim in Plano). Crazy and unfair but too often a reality. Besides just the worries we shared with one another, my friend told me that there is hope on the other side of such destruction. He told me that there are people who are known as Texas Public Adjusters who fight for you if your insurance company is not coming through. I looked it all up and was relieved to see that I wouldn’t be alone if this whole process happened. I never knew about companies like this, but now I not as worried – not that I’m going to start a fire in my house tonight. Still, it’s cool that companies exist that will help if it is needed.



Franchising and Expanding

Franchising and Expanding – Week Sixty-One

Back to normal at prayer time with Liz and Josh talking about how their Lubbock catering and Lubbock lawn care businesses were faring. Ches, our newest member (the guy who handles fire damage claims in Dallas) also reported that he was doing well at his business. All had positive reports. It seems like none of us have much bad to report about our jobs anymore. Having these guys to bounce ideas off of has really helped me keep my focus on the growth of my business. Before it was like weeks just came and went and I had no accountability to deal with. Anyway, we prayed for the city of Lubbock and its health as a city. You really can’t have a successful business unless the town it is in is doing well. We also did our typical surrender of our families to God. We all said that we have been spending a lot more time with God in our personal times and we all said that we were gaining more intimacy with Him. This is always a good way to start off the days.

As for the larger business gathering we had a woman named Kelly who spoke to us. She spoke on the subject of franchising our businesses to other cities. She said that we could always grow out of our original town and that we should be ready to expand with other regional and national entities – if we have a great reputation. I understood what she was saying but I couldn’t imagine ever selling franchises to other people based on my business. Nor did I see any reason to even set up satellites in other towns. I figured that every city has its own heating and cooling businesses and that we don’t have anything especially special about our company to warrant an expansion. I will say that Kelly was very good at speaking and explaining the process of doing what she was suggesting. And I could see how people like Liz might benefit from what was being said, but it was not a talk for me to sink my teeth into. Who knows? Maybe someday…

I did get a chance to speak with the other guy who ran the short-term furnished apartment business to see if he wanted to grab lunch sometime. I had heard we had a lot in common and that we might be able to give insights to one another – or at least become more than acquaintances. We made plans to grab a meal in the next week. Maybe we can at least figure out some way to barter what our businesses gave to the public.


So readers, have you ever franchised your businesses? Or have you bought into a franchising group? If so, how did the process go? It sounds pretty difficult to do, but it might just be because I’m not trained in it. Feel free to comment and give me your thoughts.

Born Leaders?

Born Leaders?

Ever since I was a child I have been known as a leader. I always had a little tribe following me around trying to do what I did and talk like I talked. This leadership continued through all of my school years as I was Captain of my sports teams and President of the Student Body This went on as I took over a University Bible Study and then ran several ministries. As a result of these things, I have always been known as a “born leader”. No one ever told me how to lead but I was always the leader who helped others grow in their lives. I have always provided direction for people. So I guess there is a case to be made for me being a “born leader” but I think there must be a lot of leadership development that must occur so that I can be the best leader possible. I may have been born a leader, but I think I need to improve. Born leaders need to be made leaders too.

I currently work for a leadership coach who focuses on leadership development. This guy’s name is Dr. Andy Neillie and he is known for helping leaders become better leaders. He has taught at international and national conferences and has trained several Fortune 500 companies who want to turn their managers into better leaders. He believes no matter how great your leadership skills are, you can always sharpen them. I love to learn from him through direct contact and by way of his writings. He is a humble person who is always searching for new ways that he can grow as a leader too. He reads leadership books and sits in on leadership seminars so that he can glean as much new information as possible. Anyway, one of the main things I have gotten from him is that good leaders know how to motivate and inspire their followers. Great leaders don’t just expect everyone around them to be “born leaders.” They search for ways to help people to become the best leaders they can be by using incentives, outside voices and regular continuing education.

Are you a “born leader”? Do you motivate your followers and managers to become the best leaders they can be? No matter what your leadership level is at this point, I recommend finding a leadership mentor as I have. Or you can also make use of Dr. Andy Neillie’s writings and speeches – some of which can be found at his website ( so you can grow as a leader. Regardless of who you choose, just make sure you choose someone. There’s always room to become better.

Winter Fires

Winter Fires

In Dallas, it’s still cool outside which means that fireplaces are still being used. And who doesn’t love a crackling fireplace giving off that special smell and allowing you to sit in front of it to get some normal heat. I remember watching my dad building fires every winter and I loved sitting beside it and watching it do its thing. It brings back great memories of time with him before he died. The problem with building fires in your home is that sometimes we forget to tend to them properly. It’s easy to enjoy, but sometimes we don’t put them out all of the way. This can lead to popping and can lead to an unexpected fire in the home – the sort that can cause major fire damage and smoke damage to your property. This sort of disaster can cause all sorts of problems, not the least of which is getting your insurance claim settled by a competent insurance claims adjuster. The process of getting a fair settlement from an insurance company can be quite tough and I know I have needed help from outside representation to get everything settled. That’s where the help of public adjusters comes into play – they work with you to get a great settlement for your fire damage in Dallas and they hold the insurance companies accountable to being fair. And by fair, I mean getting back the amount of money you need to buy new things to replace the old.

We all have possessions that cannot be replaced by money – pictures and memorable objects, which cannot be recovered with mere money. This is too bad for sure. But when you are at least able to get back those things that can be replaced, it’s a blessing and even an expectation. I know a couple who had to file fire damage claims in Plano and it was an insurance mess from the beginning. But by using the expertise of a public adjusting firm in Dallas (Abba Claims), they ended up redoing their entire house and now it actually looks 100% better than it did before the fire. They were completely satisfied with the way this firm went to bat for them as advocates between them and the insurance company.

So, I guess in summary, I am saying to do all you can to avoid fires in the home. Who needs that sort of mess when trying to live a normal life? But, I’m also saying that if you can’t avoid an accidental fire, make use of a public adjuster firm that will help you navigate the process of insurance claims. They understand the process very well and will get you back on your feet.

So readers, have you ever had to fight with an insurance company to get what you think is a fair settlement? What happened? Were you satisfied with how you were treated? Ever thought of using a public adjustment firm? Feel free to comment on these things.

Houston and Everywhere Else

Houston and Everywhere Else

I know a lot of people who have taken advantage of the services offered by the Houston Public Adjuster staff at Abba Claims ( to help them get back what they lost. These Texas Adjusters have come alongside these Houston victims who experienced massive flood damage and given them the help they needed in settling cases with their insurance companies. This process is not always the easiest to navigate and so Abba Claims partners with victims to aid them in getting their possession and their houses back. I applaud them and other companies like them. There have been so many amazing volunteers who have come to Houston to take care of victims’ basic needs, but I am blown away by the services offered that actually help people get their homes back in working order. If you are a victim of Hurricane Harvey, don’t try to deal with your insurance yourself. Use Abba Claims or someone else who is a professional in the area of Insurance Claims Consulting. They can get you back up onto your feet.

Now I do want to say that while places like Abba Claims are focused on the recovery efforts in Houston, they also help with most other communities in America. And it’s not just for flood damage – they handle fire damage, mold damage and theft and vandalism just to name a few things. So, even if you don’t live in one of the many heavily affected areas of the U.S., make sure you employ the services of an Insurance Adjuster. They can do more than handle natural disasters – they can handle your individual problems that pop up here and there. You don’t have to be alone in your journey back from personal disasters.

Have you ever used a Public Adjuster before? If so, what were your experiences like? Did they treat you as professionally and passionately as Abba Claims can? Have you ever had an insurance company want to give you less than you deserve and even need to get your house back intact? Let me know in your comments. Thanks in advance.

Getting ready for Christmas in August?

Getting ready for Christmas in August?

I cannot believe that I am writing about the Christmas season in August when the sun is still shining (minus the solar eclipse yesterday), but it seems like the holiday season gets here earlier and earlier every year. And I decided that I hate waiting until the last minute to buy gifts, decorate, etc. So, here we are – in the summer – getting ready.

One part of this whole process is decorating. What is too early to put the tree up? And when do you reach out to a company to come and decorate your yard? When should I get someone to put up my Christmas lights? One thing I have learned is about this last issue – holiday lighting. I used to think I could do it well by myself (like Clarke Griswold in National Lampoon’s Christmas Vacation), but I have determined that I won’t risk my neck one more year. I’m not getting up on my roof ever again if I don’t have to. I’m 44 years old and I don’t think my balance is good enough to stay up there. Why break my neck when I can let other professionals take their own chances?

Anyway, I have learned that if you want to get a quality job done with Christmas lighting, you need to reserve your place early – like now. And I think I found the best company for this tedious job. I found a lawn company and holiday lighting company who specializes in making your lights just perfect. They are called Lubbock Roots ( and they have a stellar reputation for turning those lights on bright. But, they are not a fly-by-night company, which will just take your order in December. It turns out that they take reservations as early as now and when they run out of spots, they are done. So, I and several other people have already got our spaces reserved and I have to say that this company is as professional as I have encountered. They asked me a lot of questions about what my desires are and I was impressed that they can give me exactly what I am looking for.

So, I still need to do my gift buying and my tree decorating, but at least I have found my holiday lighting company – not bad for summer right?

I hope this helps all of you out there who are searching for a good company to do your Christmas lighting. If you have any other Christmas prep ideas for me, please feel free to comment. Thanks in advance.