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. After a property loss of his own, founder Troy Frost didn't know public adjusters existed, until his contractor mentioned the option. Bringing one in changed the outcome of the claim, and changed the trajectory of his career.
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.
Three jobs sit at the center of every engagement. We understand the policy. We value the damage. We handle the claim. The outcome is the same on every file: the payment your policy actually owes.
Background that matters here
Why our background changes the outcome
Not every public adjuster comes out of the same mold. Founder Troy Frost spent his career inside large, regulated companies before stepping into this work, and that experience shows up in how your claim is handled.
Eighteen+ years inside regulated enterprises
Career roles at Triumph Financial, JPMorgan Chase, Signify Health, and MoneyGram International, companies where every decision has to stand up to auditors, regulators, and counsel. That's the same bar your claim file has to clear when a carrier's desk reviewer goes looking for a reason to push back. We build the file to that standard from day one.
Used to representing organizations under pressure
Years of experience presenting to customers, regulators, attorneys, and senior leadership on behalf of large institutions. When we're on a call with your carrier, you're getting that same calm, prepared, on-the-record professionalism. Not a sales pitch and not a shouting match.
Trained to read the contract carefully
A decade-plus working inside frameworks like FFIEC, AML/KYC, HIPAA, and PCI teaches you one thing above all: read the document, then read it again. Most claim disputes are won or lost in policy language (endorsements, exclusions, sublimits, ALE, code coverage), and that's exactly the kind of close reading this background was built around.
Comfortable with people on their worst day
Nearly two decades of direct customer-facing work, much of it 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. That's a skill, not a slogan.
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. Here is exactly what we commit to, in writing, on every file we take.
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 read carefully
Coverage, endorsements, exclusions, sublimits, code-upgrade provisions, ALE, and depreciation language, all reviewed before we ever talk numbers with the carrier. Most disputes are won or lost in the policy language, not the field.
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
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. So the harder we work for a fair settlement, the better it is for both of us.
What we believe
Our operating principles
Transparent by default
Our fee, our scope, and our honest read on whether we'll add value, all up front, in writing.
Education first
We'd rather lose a fee than have a homeowner sign something they don't understand.
Texas-licensed advocacy
We work for the policyholder. Period. No insurance company kickbacks, no dual loyalties. Just one side of the table.
Built for the long haul
Every client, residential or commercial, gets the same standard of work and the same long-term commitment to the relationship.
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.