Frost Property Loss Advisors
(214) 805-0015

Why hire us

What a public adjuster actually does for you.

Everything we do is in service of one thing: the recovery your policy actually owes.

What is a public adjuster?

The only insurance professional licensed to represent you, the policyholder, in your claim.

A public adjuster is a Texas-licensed insurance professional who works for the policyholder, not the insurance company. We prepare, present, and negotiate property insurance claims on your behalf, from first notice of loss through settlement.

Under Texas law, the public adjuster is the only party, aside from a licensed attorney, permitted to negotiate a property insurance claim on your behalf. Roofers, restoration companies, and other contractors are valuable partners on the repair side, but they are not licensed to interpret your policy or negotiate your settlement with the carrier. When that line gets crossed, claims and homeowners can get hurt.

Our work starts a step earlier than most people expect: figuring out what your dispute is actually about. Then we read the policy, value the damage, and negotiate the claim you are owed.

The line Texas draws

Who's actually allowed to negotiate your claim.

Texas law is not vague about this. Only three parties can negotiate a property insurance claim: you, a licensed attorney, or a Texas-licensed public adjuster. That's the whole list.

For roofers, the law goes further. Texas Insurance Code §4102.163 prohibits a contractor from acting as an adjuster or advising you on your claim for any property they're repairing, even if they hold an adjuster license. The Texas Supreme Court upheld that law in 2024. It's settled.

Here's why you should care, and it's not about the roofer. When an unlicensed party negotiates your claim, you carry all the risk. There's no license behind the advice, no bond, no errors and omissions insurance, and no TDI accountability if it goes wrong. A repair contract built on illegal claim handling can be voided. And if the claim gets underpaid because someone who sells roofs was doing the negotiating, the underpayment is yours to live with. Their downside is a warning letter. Yours is the difference between what the policy owed and what you got.

To be clear: the best contractors in DFW know exactly where this line is and stay on the right side of it. They scope damage, estimate their work, and build great roofs. Those are the contractors we coordinate with on every claim, and the ones you want on your project. The problem is the pitch that starts with "we'll handle the insurance for you."

That's not a repair offer. That's an unlicensed adjusting offer.

Know the red flags before you sign anything

The part nobody tells you

An estimate is not a claim.

Most people think a claim is a number: the contractor's bid versus the carrier's estimate, and whoever argues harder wins. That's not how claims work.

A claim is a file, and the number is only one page of it. Underneath every underpaid claim is a specific dispute. Sometimes it really is about the amount. Just as often it's about coverage, scope, causation, code requirements, depreciation, or documentation. Each of those is a different problem, with different evidence, a different deadline, and a different place where it gets resolved.

Get the diagnosis wrong and the strongest estimate in Texas won't save the claim. Demand appraisal on a dispute about what caused the damage, and you've priced a loss the carrier still says isn't covered. Argue the scope when the real issue is a gap in the file, and the carrier just says no more slowly.

So that's where we start, on every claim: name the dispute, build the file to win that specific dispute, protect the deadlines, and choose the right path to resolution.

This is also the quiet problem with letting anyone whose business is the repair "handle the insurance" for you. It's not just that Texas law prohibits it. It's that the repair estimate is the only page of the file they can see. The best contractors know this, which is exactly why they don't offer.

The estimate matters. It's just never the whole claim.

Diagnosis first

We name what the dispute is actually about.

Every claim walks in the door looking like the same problem: the carrier's number is too low. Underneath, the reasons diverge. Sometimes the estimate really is the fight. Just as often, the carrier is disputing what caused the damage, whether the policy covers it, what the code requires, how depreciation was applied, or whether the file proves any of it.

So before we argue anything, we name the dispute. That diagnosis decides everything downstream: what evidence the file needs, which deadlines matter, and whether the right road is negotiation, appraisal, or an honest referral to counsel,

so the claim is built to win the dispute you actually have.

Policy fluency

We read the policy line by line.

A Texas property policy can run sixty pages, and the words that decide your claim are rarely the ones a homeowner thinks to read. Endorsements rewrite coverage. Sublimits cap categories you assumed were fully covered. Ordinance and law provisions can pay for code upgrades the carrier's first letter ignores. ALE quietly funds the hotel, the dog boarding, and the increased grocery bill while your home is uninhabitable.

We read every page and pull out what matters for your loss. You get a plain-English summary of what is covered, what is excluded, and where the policy may owe more than the carrier has offered,

so nothing the policy owes you is left on the table.

Damage expertise

Property losses are our daily work.

Most underpayments start in the field. Slopes get measured short, code items get omitted, soft metals get missed, interior damage gets attributed to wear. By the time a desk reviewer sees the file, the loss has already been undervalued.

We document the property the way an adjuster trained to look will document it. Photos, measurements, moisture readings, and a line-item estimate. The same software, the same price list, the same standards the carrier uses on its own side of the file,

so the estimate reflects the real cost to make you whole.

The claim, handled

We take over the back and forth.

Once you sign with us, we become the point of contact. We file the claim. We meet the carrier's adjuster on site. We respond to letters and emails. We answer the engineer if one is sent. We exchange estimates, work through reinspections, and negotiate the settlement line by line.

You stay informed at every meaningful step, 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.

What this looks like in practice

First, the real problem. Then, three jobs.

First, we find the real problem: whether your dispute is about amount, coverage, scope, cause, code, depreciation, or documentation. Then, three jobs: read the policy, value the damage, handle the claim.

Read the policy.

Coverages, endorsements, sublimits, ALE, ordinance and law, depreciation language.

So you know what is owed.

Value the damage.

Full property inspection. Line-item estimate. Carrier-grade documentation.

So the loss is priced for what it actually costs.

Handle the claim.

Filing, inspections, reinspections, supplements, and negotiation through settlement.

So you collect what the policy promises.

Honestly, though

When hiring a public adjuster does not add value.

If your loss is small and undisputed, the carrier's scope matches your contractor's estimate, and the check covers the work, you do not need us. A public adjuster's fee comes out of the recovery, and adding a fee to a claim that is already being paid correctly is not in your interest.

Where we add value is on claims that are denied, underpaid, partially approved, or large and complex enough that the policy language and the documentation will decide what actually gets paid.

If hiring us will not get you a better claim payment, we will tell you.

FAQ

Public adjusters and licensing

Common questions about what a public adjuster does, who is permitted to negotiate a claim in Texas, and how we fit alongside contractors and attorneys.

A Texas-licensed insurance professional who represents the policyholder, not the insurance company, in preparing, presenting, and negotiating a property insurance claim.

Under Texas law, only the policyholder, a Texas-licensed public adjuster, or a licensed attorney may negotiate a property insurance claim with the carrier. Roofers, restoration companies, and other contractors are not licensed to interpret your policy or negotiate your settlement, even when they offer to handle the claim as part of the job.

The carrier's adjuster, whether staff or independent, works for the insurance company and represents its interests. A public adjuster works for you. We document the loss, build the estimate, and negotiate the claim on the policyholder's side of the file.

Contractors estimate and perform repairs. That is valuable work, and we coordinate with contractors regularly. What contractors cannot do, under Texas law, is interpret your policy or negotiate your claim with the carrier. When that line gets crossed, the homeowner is often the one left exposed. A contractor can tell you what the repair costs. Diagnosing why the carrier isn't paying it, and what to do about it, is a different profession.

An attorney is needed when a claim moves into litigation. A public adjuster handles the claim itself: documentation, valuation, and negotiation. Most claims resolve without litigation. If a carrier refuses to negotiate in good faith, we will tell you honestly when bringing in an attorney is the right next step.

Public adjusters are licensed and regulated by the Texas Department of Insurance and are required to carry a surety bond. You can verify any Texas public adjuster's license at tdi.texas.gov.

Most often on claims that are denied, underpaid, partially approved, or large and complex enough that the policy language and the documentation will decide what actually gets paid. If your loss is small and the carrier's payment matches the real cost of repair, you may not need us, and we will say so.

Appraisal is a valuable tool, and Texas policies issued or renewed after January 1, 2026 must include it. But appraisal resolves exactly one kind of dispute: how much the loss is worth. It cannot decide whether damage is covered, what caused it, or whether the file proves any of it, and the window to demand it is limited. Before invoking appraisal, you need to know which dispute you actually have. That diagnosis, and building the file to match, is the core of what a public adjuster does. When appraisal is the right path, we prepare you for it properly. When it isn't, we save you from spending your one demand on the wrong fight.

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.

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