Question 1

What is a public adjuster?

Accepted Answer

A public adjuster is a licensed, bonded professional who represents the policyholder (you) against the insurance company during a property damage claim. We advocate exclusively for your financial interests, ensuring the insurance company honors their contract and pays you the full amount you're owed.

Question 2

How is a public adjuster different from the insurance company's adjuster?

Accepted Answer

The insurance company's adjuster works for the insurance company; their goal is to protect their employer's bottom line. A public adjuster works exclusively for you. We evaluate the damage independently, prepare our own estimates, and negotiate to maximize your settlement.

Question 3

What does the claims process look like?

Accepted Answer

Our process has four main steps: 1. Free Consultation to review the damage and your policy. 2. Thorough investigation and documentation of the loss using industry-standard estimating software. 3. Presentation of the claim to the insurer. 4. Fierce negotiation to secure the maximum possible settlement.

Question 4

How much does it cost?

Accepted Answer

We work strictly on a contingency fee basis. This means there are zero upfront costs or out-of-pocket expenses. We only get paid a predetermined percentage of the settlement we recover for you. If you don't get paid, we don't get paid.

Question 5

When should I hire a public adjuster?

Accepted Answer

Ideally, you should hire a public adjuster immediately after the damage occurs, before you even file the claim. This allows us to guide the entire process and prevent early mistakes. However, we can also step in if your claim has been underpaid, delayed, or wrongfully denied.

Question 6

What is the appraisal process?

Accepted Answer

Appraisal is a binding dispute resolution process written into your insurance policy (under the Texas Insurance Code). If we cannot agree on the value of the loss with the insurer, both sides hire independent appraisers who attempt to agree on the amount. If they fail, an impartial Umpire makes the final binding decision.

Question 7

How long does a claim take?

Accepted Answer

The timeline varies greatly depending on the complexity of the damage, the carrier involved, and whether the claim requires the appraisal process. Simple claims might resolve in 30-60 days, while complex commercial losses or disputed claims could take several months. We prioritize both speed and accuracy.

Question 8

What types of damage do you handle?

Accepted Answer

We handle all types of property damage covered by commercial and residential policies, including water damage, plumbing leaks, fire and smoke damage, wind and hail (roof/exterior damage), tornado/hurricane damage, foundation issues, and mold.

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