Insurance Appraiser — Galveston, Texas
Marshall Services provides insurance appraisal services in Galveston, Texas. Galveston Island has absorbed some of the most destructive hurricanes in American history — from the catastrophic 1900 storm to Hurricane Ike's devastating 2008 storm surge — and every season brings wind-driven rain, ripped roof decking, blown-out windows, and catastrophic storm surge to homes from the historic East End and Strand district to the Seawall and Bolivar Peninsula. Coastal insurance is uniquely complex: many owners carry windstorm coverage through the Texas Windstorm Insurance Association (TWIA), separate NFIP flood coverage, and a homeowners policy, and after a storm the central question is whether damage came from wind or rising water and surge. Salt air also accelerates corrosion that can be difficult to distinguish from storm damage. Our IAUA CPAU-certified appraiser works only for policyholders, isolates covered wind damage with defensible documentation, prices to Galveston coastal construction costs, and uses FAA Part 107 drone inspections on elevated and beachfront homes. The appraisal clause resolves disputed coastal claims in 90-120 days for $1,000-$5,000.
Frequently Asked Questions
What should Galveston homeowners know about TWIA claims?
Many Galveston County properties are insured for wind through the Texas Windstorm Insurance Association (TWIA), separate from flood and homeowners coverage. After a storm, the key dispute is whether damage was caused by wind (TWIA/homeowners) or surge and rising water (flood). An appraiser documents and separates wind damage so your TWIA claim is paid for what the wind actually destroyed.
How do you separate wind damage from flood damage on the island?
Hurricanes hit Galveston with both wind and storm surge, and policies treat them differently. We document the cause and location of each type of damage — roof, window, and wind-driven rain losses versus surge and rising water — so covered wind damage is fully paid and you are not left caught between your windstorm and flood carriers.
Does coastal salt corrosion complicate Galveston claims?
Yes. Salt air accelerates wear on roofing fasteners, flashing, and HVAC equipment, and storm damage is sometimes attributed to long-term 'deterioration.' A local coastal appraiser distinguishes genuine storm damage from pre-existing wear so your legitimate Galveston windstorm claim is not denied as deterioration.
Do you appraise beachfront and Bolivar Peninsula properties?
We do. We serve Galveston Island, Bolivar Peninsula, and mainland communities including Texas City, La Marque, Dickinson, League City, and Friendswood, using FAA Part 107 drone inspections to safely document roof and structural damage on elevated and beachfront homes.