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 claim payment 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 role is narrow and specific: read the policy, value the damage, and negotiate the claim you are owed.

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

Three jobs. One outcome.

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.

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.

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.

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