How it works
From first call to final payout.
Texas public adjusting is regulated and contingency-based. Here's what working with Frost Property Loss Advisors actually looks like.
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.
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.