Frequently Asked Questions

A public adjuster represents the policyholder, not the insurance company. The adjuster reviews the policy and claim record, documents the loss, prepares or evaluates the repair scope, and communicates with the insurer about the property claim.

Consider asking for help when a claim is denied, delayed, difficult to understand, or appears incomplete. A review can also be useful when the cause, repair scope, contents value, or business loss is disputed. Not every claim requires a public adjuster.

Texas regulates public adjuster fees, and the fee must be explained in a written agreement. Our initial claim review is free. If representation is offered, the fee structure will be explained before you decide whether to sign an agreement.

There is no charge for the initial claim review. If you later choose representation, the written agreement will explain when a professional fee is earned and how it is calculated. Ask about any term you do not understand before signing.

Yes, property owners frequently seek help after filing a claim or receiving an initial decision. Whether further review is practical depends on the claim status, available evidence, policy requirements, and remaining deadlines.

Not every property claim requires a lawyer. A public adjuster handles claim preparation and valuation, while an attorney gives legal advice and handles legal disputes. If your situation involves a lawsuit, a legal deadline, or another legal issue, speak with a qualified attorney.

There is no single timeline. The size of the loss, inspections, technical reports, repair estimates, policy questions, and response times all affect the process. A responsible review should not promise a completion date without first understanding the claim.

Yes. A review can compare the denial letter and cited policy provisions with the facts and available evidence. Not every denial is incorrect, but you should understand the stated reason and whether the claim file addresses it.

Receiving a payment does not always mean every part of the loss has been evaluated. The estimate, payment letter, deductible, depreciation, and repair scope can be reviewed together. Claim status and deadlines still matter, so avoid unnecessary delay.

Newly discovered or omitted damage can sometimes be submitted through a supplemental claim. Whether it qualifies depends on the cause, policy terms, prior claim decisions, supporting evidence, and applicable deadlines. Document it promptly before conditions change.

Compare the estimate with photographs, measurements, contractor proposals, technical findings, and the work needed to restore the property. A difference in price does not by itself establish an underpayment, but missing work or unsupported assumptions may deserve clarification.

Property owners generally select who performs their repairs, subject to the policy, written contracts, lender requirements, and applicable law. Review any authorization before signing and confirm that the proposed work, pricing, and responsibilities are clear.

No. Hiring a licensed public adjuster does not cancel a filed claim. A written representation agreement authorizes the adjuster to assist with the claim and communicate within the scope described in that agreement.

Sometimes, but a closed claim is not automatically eligible for further consideration. The answer depends on the policy, reason for closure, any release or settlement, new information, and relevant deadlines. Have those items reviewed promptly.

Cosmetic and functional damage are different technical questions, and the policy may treat them differently. The roofing material, effect on service life or performance, available evidence, and any cosmetic-damage endorsement should be considered together.

An evaluation may consider the roofing material, impact pattern, affected slopes, collateral indicators, weather information, photographs, and the roof's condition. Asphalt shingles, metal panels, tile, and commercial membranes respond differently, so the method should fit the system.

Wind can lift, crease, displace, or loosen roofing components without creating an obvious opening. Some conditions are subtle, but that does not mean every irregularity is storm damage. A careful inspection and supporting evidence help distinguish the cause.

No. Repair or replacement depends on the extent of covered damage, repairability, available materials, existing condition, policy terms, and local requirements. The right conclusion should follow the facts rather than an assumption that every damaged roof needs full replacement.

An engineer may be asked to address technical questions about cause, structural effects, performance, or repairability. The report is one part of the claim record. You may ask for a copy and compare its observations with photographs and other qualified evaluations.

Protect people first and stop the source only if it is safe. Report the loss promptly, photograph conditions, take reasonable steps to prevent further damage, and keep receipts. Preserve damaged materials until they can be documented or the insurer authorizes disposal.

Prompt extraction and drying may be necessary to prevent further damage. Choose a qualified company, understand its work authorization and pricing, and keep drying logs, photographs, invoices, and other records. Hiring a company does not by itself confirm insurance coverage.

Mold can develop after a water loss, but coverage is frequently limited and depends on the water source, timing, mitigation efforts, and policy language. Address health or safety concerns with qualified professionals and document the conditions promptly.

Policies generally require prompt notice, and other deadlines may apply. Because those requirements vary, report the loss as soon as reasonably possible and review the policy and insurer correspondence. Delay can make the cause and extent harder to establish.

Yes. Commercial reviews may address the building, business personal property, inventory, equipment, tenant improvements, and related time-element coverage. The ownership structure, leases, operations, and policy should be considered together.

Yes, when the policy includes applicable business income or extra expense coverage and the loss follows a covered event. The review typically relies on financial records, operational history, mitigation efforts, and the period of interruption. Accounting support may also be appropriate.

They can. Multiple locations or stakeholders, specialized construction, large inventories, technical consultants, and business income analysis add complexity. A clear process and organized claim record help keep the review focused, but no fixed timeline fits every loss.

Read the entire denial letter and identify the facts and policy language it relies on. Preserve photographs, damaged materials, reports, estimates, and communications. A denial is neither automatically final nor automatically wrong; the supporting record needs to be reviewed.

A payment can be questioned or supplemented when the policy and evidence support a different scope or valuation. The available process depends on the claim status, policy provisions, and deadlines. A careful comparison should come before any conclusion.

Compare the paid estimate with the documented repair needs, photographs, contractor proposals, technical findings, depreciation, deductible, and policy terms. A higher repair quote alone does not prove underpayment, but unexplained omissions or differences deserve clear answers.

Keep the policy and endorsements, photographs, videos, estimates, invoices, technical findings, letters, emails, payment records, contents inventories, and living-expense receipts. Preserve damaged materials when safe and practical until they have been documented and evaluated.

We discuss what happened, review the information you have, answer questions, and explain any issues or uncertainties we see. You will receive an honest opinion about whether further review may be useful. There is no obligation to hire us and no promised outcome.

Share whatever is available, such as the policy, insurance estimate, payment or denial letter, photographs, reports, contractor proposal, and a brief timeline. You do not need a complete file before asking questions; missing items can be identified during the review.

We respond to claim review requests as promptly as possible. Timing can vary with request volume and the information submitted. If you need to speak with someone directly, call us at (346) 845-0880 during business hours.

No. The purpose of the review is to help you understand the claim and your available options. If we do not believe additional review is likely to help, we will tell you directly.

Yes. Many property owners begin with a question about an estimate, denial, report, deadline, or repair decision. We can start with the information you have and explain what may need a closer look.