The insurance company has an adjuster. Shouldn't you?
Frost Property Loss Advisors is an independent, licensed Texas public adjusting firm. We document, value, and negotiate your property claim from start to finish, so you collect the claim you are actually owed.
Why hire us
We understand your policy. We value the damage. We handle the claim. You receive the claim you're owed.
Insurance carriers have experienced professionals interpreting the policy and pricing the loss on their side. Most homeowners should not have to do that alone. Our job is to make sure you receive the full amount your policy owes.
One goal: the claim you are owed.
See how we add valuePolicy fluency. We read the policy line by line.
Coverages, endorsements, sublimits, ordinance and law, ALE, and depreciation language all change what you are actually owed. We translate the policy into a plain-English picture of what it covers and what it does not, so nothing the policy owes you is left on the table.
Damage expertise. Property losses are our daily work.
We document the full scope of the damage, including the items that are easy to overlook, and price the loss using the same software and standards the carrier's adjuster uses, so the estimate reflects the real cost to make you whole.
The claim, handled. We take over the back and forth.
Inspections, paperwork, the carrier's adjuster, follow-ups, and negotiation of the settlement all run through us. You stay informed without having to manage the file yourself, so you can focus on your home and your family while we work to recover what your policy owes.
Roofers, GCs, plumbers & restoration pros
Got a client stuck on the insurance side? You keep the repair. We handle the carrier.
What we do
A public adjuster is your advocate.
Insurance company adjusters work for the insurance company. Public adjusters are licensed by the State of Texas to represent policyholders, and that is the only side we are ever on. We read the policy closely, document the damage the way the carrier’s own software prices it, and represent you through the claim, so the settlement reflects what you are actually owed.
Hail & Wind Damage
North Texas leads the nation in hail losses. We document granule loss, soft metals, and structural damage insurance companies routinely overlook.
Wind & Storm
Tornado, straight-line wind, and severe storm damage. Full envelope inspection and documentation.
Commercial & Multifamily
Retail, office, HOA, and apartment communities. Business interruption, code upgrades, and large-loss negotiation.
Fire & Smoke
Full scope-of-loss including soot remediation, contents inventory, and additional living expenses.
Water, Freeze & Plumbing
Sudden discharge, supply line failures, slab leaks, and freeze-related pipe bursts, properly documented and valued.
Denied & Underpaid Claims
Already filed and unhappy with the result? We re-open, re-inspect, and re-negotiate.
The engagement
Contingency-based.
We’re paid a percentage of the recovery on your claim. If we don’t recover more than your original settlement, you owe us nothing.
Three jobs in one engagement
Understand the policy. Value the damage. Handle the claim. One outcome: the payment your policy owes.
We handle the entire claim
From first inspection through final check. No forms to chase, no insurance company adjusters to handle yourself, no estimates to reconcile.
Already have a contractor?
We work alongside your roofer, plumber, or GC. They handle the repair; we handle the insurance company.
Are you the contractor? Refer a client →
Our fee, and the legal cap
Texas Insurance Code caps public adjuster fees at 10% of claim proceeds. Within that cap, the exact fee depends on claim type, complexity, and stage: pre-filing, reopened, denied, or commercial. Every fee is quoted and agreed in writing before any work begins.
- 01STEP 1
Free Policy & Damage Review
We read your policy, walk the property, and tell you honestly whether a public adjuster will add value. No pressure, no fee.
- 02STEP 2
Documentation & Estimate
Detailed scope of loss, line-item estimate, photos, and moisture readings. A file built to hold up under carrier review, so the loss is valued for what it actually costs to repair.
- 03STEP 3
Filing & Negotiation
We submit the claim, meet the insurance company's adjuster on-site, and negotiate every line item. You stay informed without being on the phone.
- 04STEP 4
Settlement & Payout
We push for full replacement-cost settlement, including recoverable depreciation, code upgrades, and overhead & profit where applicable.
When to call us
If any of these sound familiar, call before you sign.
The biggest mistake is accepting, signing, or acknowledging anything from the carrier before you know what the policy actually covers.
- Your claim was denied or partially denied.
- The insurance company's offer feels low, and you can't tell why.
- Damage is significant ($10k+) or involves multiple trades.
- It's a commercial, multifamily, or HOA loss.
- You haven't filed yet but suspect substantial damage.
- You're being pushed toward a quick, lowball settlement.
- The contractor's estimate exceeds what insurance will pay.
- You simply don't have the time or capacity to handle the claim yourself.
*Source: Texas Department of Insurance complaint data following Winter Storm Uri (2021), as reported by the American Adjuster Association: 46% of policyholder complaints filed with TDI resulted in a higher settlement after review. National studies (OPPAGA, Florida) have similarly found public-adjuster-represented claims settle for materially more than unrepresented claims. Past results do not guarantee future outcomes.
Free 2-minute tool
Should you actually hire a public adjuster?
Before you call anyone, including us, take our 7-question check. It scores your claim on the same indicators we'd evaluate ourselves and tells you honestly whether representation will add value, or whether you're already on solid ground.
- Under 2 minutes
- No email required to see your score
- Honest verdict, even if it's "don't hire one"
Sample question
"Does the insurance company's offer feel lower than the actual cost to repair?"
Your score
— %
At the end you get a calibrated verdict and a clear next step. Not a sales pitch.
Service area
Serving the Greater DFW Metroplex
Headquartered in North Texas. We respond on-site across Dallas, Fort Worth, Tarrant, Collin, Denton, Rockwall, Ellis, Johnson, Parker, Kaufman, and Wise counties, and we travel statewide for catastrophe events and commercial claims.
DFW cities we serve
- Dallas, TX
- Fort Worth, TX
- Arlington, TX
- Plano, TX
- Frisco, TX
- Irving, TX
- Garland, TX
- McKinney, TX
- Mesquite, TX
- Carrollton, TX
- Denton, TX
- Richardson, TX
- Lewisville, TX
- Allen, TX
- Flower Mound, TX
- North Richland Hills, TX
- Mansfield, TX
- Rowlett, TX
- Euless, TX
- Grapevine, TX
- Bedford, TX
- DeSoto, TX
- Grand Prairie, TX
- Cedar Hill, TX
- Wylie, TX
- Keller, TX
- Coppell, TX
- Hurst, TX
- Duncanville, TX
- The Colony, TX
- Little Elm, TX
- Rockwall, TX
- Burleson, TX
- Sachse, TX
- Prosper, TX
- Murphy, TX
- Highland Park, TX
- University Park, TX
- Southlake, TX
- Colleyville, TX
- Trophy Club, TX
- Roanoke, TX
- Argyle, TX
- Northlake, TX
- Celina, TX
- Anna, TX
- Melissa, TX
- Princeton, TX
- Forney, TX
- Heath, TX
- Fate, TX
- Royse City, TX
- Terrell, TX
- Kaufman, TX
- Waxahachie, TX
- Midlothian, TX
- Red Oak, TX
- Ennis, TX
- Cleburne, TX
- Joshua, TX
- Crowley, TX
- Saginaw, TX
- Haltom City, TX
- Watauga, TX
- Benbrook, TX
- Weatherford, TX
- Aledo, TX
- Azle, TX
- Decatur, TX
- Sanger, TX
- Pilot Point, TX
- Aubrey, TX
- Krum, TX
- Ponder, TX
Beyond DFW: we travel
For substantial losses and catastrophe events, we travel throughout Texas.
- East Texas
- Central Texas
- Hill Country
- Tyler
- Longview
- Waco
- Temple
- Killeen
- Abilene
- Wichita Falls
- Sherman
- Denison
- Paris
- Greenville
- Corsicana
Not sure what your claim is actually worth?
Get a free, no-obligation policy and damage review. We'll tell you straight whether a public adjuster will add value, or whether you're better off without one.