“These are the main steps to make a “bloody” checker texture in the freeware software called Mapzone ‘ Powerful Texturing Tool Ever, Download this software now and start working. We’ll go through creation of the diffuse, normal and specular for the texture. We will use a ‘Checker’ Fx-Map as base for this texture (drag and drop it from the left scrolling panel).”
http://www.cgarena.com/freestuff/tutorials/misc/bloodychecker/index.html