A public adjuster is a licensed professional who represents policyholders during the insurance claim process. Unlike the insurance company's adjuster, a public adjuster works exclusively for you to ensure your damage is accurately documented and fairly valued. They handle every step of the process, from inspecting and estimating the loss to interpreting your policy, preparing the claim, and negotiating directly with the insurance company. Public adjusters are the only professionals legally authorized to communicate and negotiate with insurers on behalf of policyholders, helping you secure the settlement you deserve.

A denied claim doesn't always mean the end of the road. In many cases, denials occur because of incomplete documentation, misinterpreted policy language, or errors in the insurer's evaluation. A public adjuster can review the denial, identify where the claim may have been mishandled, and gather the necessary evidence to reopen or appeal the decision. This may include providing additional damage assessments, expert reports, or clarifications of coverage under your policy. Public adjusters are skilled at navigating complex claim disputes and negotiating directly with insurance carriers to pursue the settlement you're entitled to. Even if you've received a denial letter, it's worth having an experienced public adjuster review your case as you may still have options for recovery.

In Texas, you must report your loss promptly, usually within days or weeks of discovering the damage, depending on your policy. Under Texas law, you generally have up to two years from the date of loss to take legal action, but waiting too long to file or report your claim can jeopardize your coverage. A public adjuster can help review your policy and ensure you meet all required deadlines for reporting, documentation, and proof of loss submission.

Yes. A public adjuster can still assist even if you’ve already hired a contractor or restoration company. In fact, having a public adjuster involved can help ensure that all repair costs and damages are properly documented and covered under your insurance policy.

While contractors and restoration companies focus on repairing the property, public adjusters focus on managing the insurance claim. They interpret policy language, prepare detailed damage reports, and negotiate directly with the insurance company on your behalf.

It’s important to note that contractors cannot legally negotiate or discuss claim payments with your insurance carrier and that only a licensed public adjuster, attorney, or the policyholder is authorized to do so. By working alongside your contractor, a public adjuster helps ensure your project is properly funded and your claim is settled fairly.

To ensure you're working with a legitimate public adjuster, always verify that they are licensed in your state. In Texas, the Texas Department of Insurance (TDI) maintains a public database where you can confirm a public adjuster's license and check for any disciplinary actions. Other tips to confirm legitimacy include:

Written contract: A legitimate adjuster provides a detailed contract outlining their services and fees. No upfront fees: Most licensed public adjusters work on a contingency basis, collecting a percentage of the claim settlement only after a successful payout. Professional credits: Membership in organizations such as the Texas Association of Public Insurance Adjusters (TAPIA) is an added sign of professionalism and adherence to industry standards. Clear communication: A reputable adjuster explains the claim process, answers questions, and maintains transparency throughout the claim. By verifying these credentials and following these guidelines, you can feel confident that your adjuster is legally authorized and acting in your best interest.

A claim in the initial request for payment you file with your insurance company after your property has been damaged. It includes documentation of the loss, repair estimates, and supporting evidence to show what you're owed under your policy. An appraisal is a dispute resolution process that may occur after a claim has been filed. This usually occurs when you and your insurance company disagree on the amount of the loss, not whether it is covered. During an appraisal, both sides select independent appraisers, and an umpire may be chosen to make the final decision if they cannot agree. This process helps determine the value of the claim but doesn't decide coverage issues. Public adjusters can help guide policyholders through both stages of ensuring your claim is property prepared and, if necessary, that the appraisal process is handled fairly and strategically to protect your best interests.