CANDICE LAWSON: My home in Nacodoches had a very destructive attic fire right after Christmas. A family holiday turned into a nightmare. Charlie immediately set to solving our endless problems, and sealed the home from further damage without charge. Over the next months I watched him effectively handle the process by which our adjuster was quickly induced to paying our policy limit. The home itself was transformed from a 1970’s original build with small, dark rooms, to a vaulted ceiling, open floor plan masterpiece with chef’s kitchen, new lighting and appliances and beautiful solid doors and hardwood flooring that my family enjoys to this day. Storm 24 and Charlie made the worst day of our life less painful, and gave us a home greatly improved, and also made the insurance process completely transparent, painless, and understandable….He’s the real deal….
TREVOR AND SARAH WARD: Our mom tutors Charlie’s son, Charlie Junior. We encountered endless, frustrating, stalling and excuse making from our insurance carrier, regarding a simple roof claim for hail damage. The same insurance carrier paid the next-door neighbor for a full roof replacement, but denied our claim. Charlie ended all that, and completely cleared all the insurance issues, allowing us to hire a roofer who completed our roof with the insurance proceeds we achieved by Charlie’s experience and effort. Charlie did this for us as a favor, for no compensation, because we had no idea how to help ourselves. He made it look easy, and if you need help along these lines, I suggest you speak with him. I would recommend him to anyone in similar circumstances.
MALENA MCALLISTER: My home in Fort Worth suffered recent freeze damage. My plumbing system was damaged in many places, causing further damage to flooring and cabinets. I am retired and had no idea where to start, or how to speak to my insurance company person, who was NOT helpful and gave me many answers that did not feel “right”. I felt like I was being deceived or treated like I was ignorant, but knew something was wrong. Charlie and Storm 24 changed that from the minute he arrived, until the moment he completed the repairs to my home. He explained the process, and identified which answers given to me were simply not accurate or in some cases, fair or honest. He made it easy for me to see a path forward, and explained every step of the process so I had peace of mind. We only met because I told a friend about all the problems I was having with my insurance company and their senseless, confusing answers to my questions. Thankfully, that friend knew Charlie Rose, and the entire matter was quickly resolved.
PAUL AND BARBARA MCCOMB: Our home suffered a major attic fire that ruined the rest of our home. My husband Paul and I were initially approached on all sides by “fire restoration companies”. We chose one that seemed reputable, but we were wrong. This company quickly demolished the interior of our home without a contract, then proceeded to try to claim $140,000.00 for services rendered against our insurance limit of $222,000. Charlie was later introduced to us, and quickly informed the other company that their work was not only vastly overpriced, that they had caused further damage, and in fact did all of their work without any written authorization from us. Charlie protected us when we did not know how to protect ourselves. And, when properly under a written contract we signed when we fully understood the process, Charlie increased our insurance payments to our policy limit by showing the adjuster where all the hidden and other structural damage had been missed by our insurance company “contractor”. He rebuilt our home with an AMAZING open and modern kitchen, modern bathrooms, new air conditioning and electrical and plumbing. The home is now a JOY to live in….even better than before the fire. Thank you for helping us old folks through some very difficult moments…..you made all the difference, Charlie!!!
DAVID SMITH: My friend and I met Charlie Rose through a business contact. Our home had recently suffered a gas fire in the attic. The pictures tell a terrible story, but from the moment we engaged this man, he set about the tasks of helping us rebuild our home, and our peace of mind. Every step he took was methodical and had both purpose, and a result in mind from the moment he began. All the results he achieved were unilaterally achieved WITHOUT help from our adjuster, as our insurance company fought us EVERY step of the way. In the end, the home was beautifully restored, updated mechanically and electrically, and Charlie even took some of the money budgeted for other areas, and was able to install a beautifully finished front porch, which we have enthusiastically enjoyed ever since. Charlie is the real deal. If you have an insurance claim issue, or damage to your home for any reason, this is DEFINITELY the man you need to make it all go away easily, and get an amazing understanding of how and why things can work easily, if you know who to call. For me, and my home, Charlie was the entire difference between misery, and success.
MARK SHEA: Charlie met me at a Home Depot. I appeared frazzled because I was. My home had just been hit by lightning, and an attic fire ensued that seriously damaged my home. I was in the process of trying to cover the holes in the roof and put boards up on the doors and windows. Charlie followed me home, and in 40 minutes, he had crews in place doing all that emergency work. For Free. He never asked me for money, and when he left, he only gave me his cell phone. After one afternoon listening to the insurance adjuster tell me how this process would go, I was full of suspicion and questions, and had no answers. In truth, I couldn’t sleep trying to trust what I had been told. I asked my lawyer what to do. He said “find someone to help you understand what is about to happen, and don’t SAY anything”. Big help. That’s when I called Charlie. He remembered me from the Home Depot, but it was almost as if we had never met. He didn’t even mention the afternoon of work his men did to help me. I asked him to help me. Instead, he took me to lunch. He PAID. While we ate, he explained the entire process as if he had spent a lifetime writing books about the subject. Clear, Concise, STRAIGHT ANSWERS that even made simple sense to me, the person who had very little understanding before lunch. In short, over the next 60 days, he unraveled all the code-talk of that insurance adjuster, and got my claim to a policy limit. I signed a contract with him because I trusted him to keep me informed. He never failed in that respect, or honestly, in any other. He had plans and engineering into the city Building Department within a month. Approved without problems. He gave me a written construction schedule with my contract, which also included a budget. He helped me to pick mechanical and finish items because those things mattered to me. In the end, the house he built for me was a fabulous vision that even I could not anticipate. I am of retirement age, and my plan was to use a reverse mortgage to help me retire. The house had been appraised a year prior for about $270,000 before the fire. When Charlie was done with it, the appraisal for the reverse mortgage landed easily at $480,000. What else can I say? The man kept his word and then some. He never bothered me, except to keep me ahead of the information and process, even as I called him at all hours, with my various worries. If you have a similar situation? Let Charlie look at what is possible. He has an amazing grasp of the insurance world and catastrophe reconstruction, both. He was the man my lawyer said to “find”. Little did I know I had already bumped into him, Hand of God kind of thing.
After 40+ years of teaching property owners how to resolve their insurance claim problems—without hiring a PA or holding a PA license—Charlie only brings in licensed PAs when needed legally, requested by an owner, or when invited to assist. Contractors cannot legally interpret policy language, but Charlie’s team structure and deep industry resources ensure the client is always covered. Then—and only then—we do the repair. And we do it well. The process by which Charlie manages the entire insurance restoration event, and oversees the result, yields not only a superior restoration result, but a VASTLY greater level of client understanding of both insurance claims AND insurance related restoration – a lifetime of education provided in one event, and yours to keep!
We guide homeowners through what many believe is a corrupt, often impenetrable insurance system—and help ensure their work is funded in full (except for the deductible, which Texas State Law REQUIRES a homeowner to pay, in MOST cases). Charlie gives away his knowledge freely because the the vast majority of clients respond to clarity, honesty, and the relentless pursuit of results. Results are the only thing that matters, in the end.
Most new clients realize that they must handle their claim effectively to achieve a good restoration result. The vast majority of new clients start with no tested procedure to achieve this, and even fewer have the experience to execute that procedure until the desired result is achieved. Insurance carriers bring 1000× the experience of the average homeowner—especially in knowing what not to say. That imbalance is where most claims fall short, or worse - fall apart. Charlie ends that. He knows which questions a client needs to ask, which answers are an honest fit for the reality of your insurance restoration scenario, and importantly, Charlie knows what insurance company adjusters are likely to avoid discussing—and how to bring it all into the light. Charlie’s knowledge, imparted to the property owner, assures that nothing remains hidden. Everything becomes an honest and transparent discussion and examination of facts, yielding exceptional results on behalf of property owners helping themselves armed with an amazing, life-long depth of knowledge.
We Audit Their Work. And Fix It.
Many contractors and most insurance adjusters read off insurance estimates like a hasty shopping list. We deeply and forensically audit the jobsite conditions and then audit the adjuster’s estimates to find omissions and under-scoped repairs. In many cases, we don’t even need to submit a new estimate—we just present the right information, the right way, and the adjuster will correct their own work, easily getting a fast claim approval.
Storm24 vs Franchise Operators
Unlike big franchise operations, who are beholden to insurance carriers and may be limited by “insurance restoration program” coding restrictions, Storm24 is fully independent. We serve no corporate “master”—only the client. Most of those franchises are ex-water-damage contractors that evolved into structural work without the real world experience or know-how. Charlie’s experience leads him to believe that these franchise companies frequently obtain a substandard, or worse, a partial result as a result of both inexperience, and the rules inherent in “serving a corporate master” as a source of business.
