Question 1

What is a public adjuster?

Accepted Answer

A public adjuster is a state-licensed insurance professional who represents policyholders — not insurance companies — in preparing, filing, and negotiating property damage claims. We work exclusively for you.

Question 2

How much does a public adjuster cost?

Accepted Answer

You pay nothing up front. Our fee is a small percentage of what we actually recover for you. If there's no recovery, there's no fee.

Question 3

When should I hire a public adjuster?

Accepted Answer

The earlier the better — ideally before you give a recorded statement or accept any check from the carrier. But we can also step in on denied, underpaid, or closed claims and reopen them.

Question 4

What types of claims do you handle?

Accepted Answer

Hurricane and windstorm, hail, water damage, fire and smoke, mold, theft and vandalism, plumbing losses, and commercial property claims of all sizes.

Question 5

Can you reopen a claim that was already settled?

Accepted Answer

In most states you can reopen a claim for years after the original payment. If new damage is discovered or the original estimate was incomplete, we can prepare a supplemental claim.

Question 6

Do I still need my insurance company?

Accepted Answer

Yes — you keep your policy and remain the insured. We simply act as your professional representative in dealings with the carrier.

Question 7

How long does a claim take?

Accepted Answer

Simple claims can resolve in weeks. Complex hurricane, fire, or commercial claims can take several months. We keep you informed at every step.

Question 8

What areas do you serve?

Accepted Answer

We are licensed in Texas (TDI #3256937) and Oklahoma (#3004340354) and serve policyholders in those two states only. Contact us with your ZIP code to confirm.

Questions we hear every week.

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