About us
An independent voice on the policyholder's side.
Frost Property Loss Advisors was founded to bring a different kind of public adjusting practice to North Texas, one built on transparency, education, and a long-term view of the relationship.
Why we exist
Frost Property Loss Advisors started where most of our clients start: on the wrong end of a lowball offer from an insurance company. Troy Frost had spent twenty years as an executive at JPMorgan Chase, Signify Health, MoneyGram, and Triumph Financial, accountable for other people's money and outcomes. None of that told him public adjusters existed. His contractor did. Bringing one in changed the outcome of the claim, and it made something obvious that he hadn't seen from the inside: he had spent two decades working in exactly the kind of company that had just handed him that offer.
Insurance companies employ teams of adjusters, engineers, and counsel whose job is to interpret the policy in the insurance company's favor. Most policyholders show up to the negotiation with a contractor's bid and a hope. The math is not on their side.
A public adjuster is the one professional in the system who is licensed, bonded, and contractually obligated to represent the policyholder, and only the policyholder. That's the work we do, for the same reason we got into it: because most homeowners don't know this resource exists until someone tells them.
How we're different
Most public adjusting firms run on storm-chasing and high-pressure sales. We don't. We invest in education, transparency, and digital infrastructure so that any homeowner or property manager can find clear, honest information before they ever pick up the phone, and so that when they do call, they already know what questions to ask.
Whether the claim is a $15,000 residential roof or a $1.5M apartment complex, the standard of work is the same: thorough documentation, straight talk, and a relentless focus on getting the file right.
Background that matters here
Find the real problem. Solve it right.
Troy's career is the reason this firm works the way it does. The mantra behind it: the expensive mistake is almost never bad execution, it's solving the wrong problem. Public adjusting turned out to be the same discipline with higher stakes. What looks like a pricing disagreement is often a dispute about coverage, cause, code, or documentation, and each one is won differently. Here's how that background shows up in your file.
Inside companies like the one deciding your claim
Your claim isn't decided by one person. It's decided inside a large organization with its own process, review layers, and reasons to say no. Troy built his career inside companies exactly like that. He knows how they reach a decision, and how to prepare a claim that holds up to their review.
Accountable to the people who ask hard questions
A career spent presenting to regulators, attorneys, auditors, and senior leadership, where you don't get to be approximately right and you don't get to be unprepared. Every number had to be supported before you walked in the room, and anything you couldn't defend came back to you. Carrier negotiations run on the same footing. He brings that same preparation to a call about your claim: a position built to survive the pushback rather than one that folds at the first hard question. Not a sales pitch, and not a shouting match.
Fluent in the language your claim turns on
In banking and healthcare, the governing document decides what you're allowed to do, and being wrong about it is expensive. Years of that taught him to operate in contract language, not just read it. Property policies are the same instrument: coverage, exclusions, sublimits, ALE provisions, code language. Locating the provision is the easy part. The work is turning it into a position, supporting it with evidence, and defending it to someone whose job is to find the hole in it. That's the difference between knowing what a policy says and getting a carrier to pay it.
Comfortable with people on their worst day
Troy spent much of his career in direct customer-facing work, often during the moments that matter most to the person on the other end of the line. A property loss is stressful by definition. Part of the job is slowing the conversation down, explaining the next step, and keeping the file moving.
What we hold to
Principles that guide us
Not every claim needs a public adjuster
Much of this industry sells the opposite. If we look at your claim and think the carrier got it substantially right, we'll tell you, and we won't charge you to hear it. Turning down work we can't improve is the only way the recommendation means anything when we do take a file.
A claim you don't understand isn't really yours
We'd rather lose a fee than have a homeowner sign something they don't understand. That includes explaining the parts of your policy that don't work in your favor, and the arguments the carrier is likely to make back.
There are no neutral parties in a claim
Everyone else in the process answers to someone. Texas prohibits us from participating in your repair, holding an interest in a restoration firm, or accepting a referral payment from anyone working on your property. We don't have a second revenue stream, which means we don't have a second set of interests.
Claim size doesn't set the standard of the work
A $15,000 roof is a serious amount of money to the person who owns it. Same policy review, same documentation, same attention as a commercial file, because the standard is ours and not a function of the fee.
What hiring us looks like
What you can expect from us
You're interviewing a public adjuster because something has gone wrong, or you're worried it's about to. Three jobs sit at the center of every file we take: understand the policy, value the damage, handle the claim. Here is exactly what we commit to, in writing.
You'll get a straight answer first
Before you sign anything, we'll tell you whether we think hiring a public adjuster will actually move the needle on your claim. If the carrier's offer is already fair, we'll say so, and we won't charge you to find out.
Your loss gets fully documented
We inspect the entire property (roof, attic, interior, exterior), not just the rooms you point us to. Photos, measurements, and a line-item estimate built in the same software the carrier uses, so there's nothing for a desk reviewer to dismiss.
Your policy gets applied, not just reviewed
Before the first conversation with the carrier, we work out what your policy actually obligates them to do on this loss, and where the facts of your damage meet the language that triggers coverage. That becomes the position we take. You get it back in plain English, including the parts that don't work in your favor.
You'll know what's happening, when
One point of contact. Calls and emails returned promptly. Plain-English updates after every meaningful step: inspection, estimate exchange, reinspection, settlement. No chasing us for status.
We handle the carrier so you don't
Once we're engaged, the adjuster, the field rep, the desk reviewer, and any engineer they send out go through us. You get to focus on your home, your tenants, or your business, not on managing a claim file.
Our incentives match yours
There's no hourly rate here and no fee for a claim we don't improve. Everything we recover above your original settlement is the only reason we get paid, which means the thorough version of the work and the profitable version of the work are the same version. You never have to wonder whether we're padding hours.
Need help understanding your estimate?
Upload the estimate from your insurance company and we'll explain it. Or if your claim is new, tell us what happened. Either way, we'll tell you straight whether a public adjuster will add value.