Common questions about public adjusting.

A public adjuster is a state-licensed insurance professional who represents policyholders, not the insurance company, in preparing, presenting, and negotiating a property insurance claim. We document the loss, build the estimate, file the paperwork, meet with the insurance company's adjuster, and negotiate the settlement on your behalf.

Public adjusters in Texas work on contingency: a percentage of the recovery on the claim. 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/large-loss), and is always quoted and agreed in writing before any work begins. If we don't recover more than your original settlement, you owe us nothing.

Almost never. We frequently take over mid-claim, including denied claims, partially paid claims, and claims where the homeowner has cashed the initial check. As long as the policy's claim window is still open, we can usually re-open or supplement.

No. Texas law prohibits insurers from non-renewing or surcharging a policy because the homeowner exercised their right to representation. Insurance companies deal with public adjusters every day.

Contractors estimate repairs but cannot legally negotiate your claim. Attorneys are necessary if litigation is required, but most claims never get there. A public adjuster handles the claim itself: documentation, valuation, and negotiation. We'll tell you honestly when an attorney is the better call.

Hail, wind, hurricane, tornado, fire, smoke, water, plumbing failures, theft, vandalism, freeze, and collapse, for residential, commercial, multifamily, and HOA properties.

We're headquartered in DFW and respond locally on-site quickly. We also travel for substantial commercial claims and catastrophe events throughout Texas.

Timelines vary by claim type and insurer cooperation. Straightforward residential claims often resolve in 30–60 days from inspection to payment. Complex, denied, or large commercial claims can take 90 days to several months. Texas Insurance Code §542A sets specific deadlines insurers must meet for acknowledgment, inspection, and payment. We hold them to those timelines.

Nothing. The initial consultation, policy review, and damage assessment are free. You only pay if you sign a representation agreement and we recover on your claim.

Yes. We are licensed by the Texas Department of Insurance and carry the required surety bond. You can verify any Texas public adjuster's license at tdi.texas.gov.

Denied claims are one of the most common engagements we take. We re-inspect the property, review the denial language against your policy, document anything missed, and re-present the claim. Many denials are overturned at the supplemental or reopen stage without needing litigation.

Nothing beyond what you already have. Helpful items include your homeowner's policy, any correspondence with your carrier, the claim number if one was assigned, and photos of the damage if available. If you don't have any of it, we'll help you request it.

Yes. We don't sell repairs or steer you to a specific contractor. Our job is to maximize the settlement; you choose who does the work. We're happy to coordinate with a contractor you trust.

Cashing a check rarely closes the claim under Texas law, especially for partial payments. If additional damage is documented or the original scope was understated, the claim can usually be supplemented or reopened within the policy's time limits.

Texas-specific data is limited, but Texas Department of Insurance (TDI) complaint records from Winter Storm Uri showed that roughly 46% of policyholder complaints reviewed resulted in a higher settlement. National studies, including the OPPAGA report in Florida, have found that policyholders represented by public adjusters recover materially higher settlements than those who handle claims alone, often several times more on catastrophe claims. Results vary by claim, policy, and carrier; we never guarantee a specific outcome.

Not always. If the carrier's offer fully covers the scope of damage and code-required repairs, you may not need representation. We'll tell you honestly during the free consultation if we don't think we can add value.

If a carrier refuses to negotiate in good faith, we coordinate a handoff to your attorney. Our documentation and estimate become the foundation of the legal case, which usually shortens the path to resolution.

Call or submit the contact form for a free consultation. We'll review your policy and damage at no cost, explain your options, and only proceed if representation makes sense for your situation.