Public Adjusters in Texas
If you’ve suffered property damage in Houston, Dallas, Austin, San Antonio, or anywhere in Texas, and your insurance company isn’t offering a fair settlement, you don’t have to accept their decision. Many policyholders struggle to get the compensation they deserve because insurance companies prioritize profits over claims.
At YPA Public Adjusters, we advocate for homeowners and business owners across Texas, helping them recover the maximum compensation for storm damage, water damage, fire losses, and more. Whether you’re dealing with hurricane damage along the Gulf Coast, hail damage in North Texas, or flood damage in Central Texas, our team knows the state-specific insurance laws that impact your claim.
From Houston’s hurricane-prone areas to Dallas and Fort Worth’s frequent hailstorms, our team of licensed public adjusters specializes in handling Texas insurance claims. We take care of the entire process, from filing your claim to negotiating a settlement—so you don’t have to go up against the insurance company alone.
📍 Serving policyholders statewide, including:
✅ Houston, The Woodlands, Galveston – Hurricane, flood & fire damage
✅ Dallas, Fort Worth, Plano, Arlington – Hail, wind & roof damage
✅ Austin, Round Rock, San Marcos – Storm & water damage
✅ San Antonio, New Braunfels, Boerne – Tornado & commercial claims
✅ Corpus Christi, Brownsville, South Texas – Coastal hurricane claims
💬 Wherever you are in Texas, we fight to maximize your settlement. Contact us today at (682) 267-0336 for a free consultation!
What is a Public Adjuster?
A public adjuster is a licensed professional who represents policyholders during the claims process. Unlike insurance company adjusters, who prioritize the company’s bottom line, public adjusters work exclusively on behalf of the insured. Their role includes:
- Evaluating property damage
- Reviewing insurance policies for coverage details
- Filing and managing claims
- Negotiating settlements to maximize payouts
Hiring a qualified public adjuster can make a significant difference in the amount you recover from your claim. They understand policy language, claim procedures, and state regulations—giving you an advocate who ensures your rights are protected.
Common Types of Texas Insurance Claims We Handle
YPA Public Adjusters has experience handling a wide variety of property damage claims, including:
Residential & Commercial Property Damage
- Hurricane & Storm Damage – Wind, hail, tornadoes, flooding
- Fire & Smoke Damage – Structural damage, smoke infiltration
- Water & Mold Damage – Leaks, burst pipes, hidden mold issues
- Theft & Vandalism – Break-ins, property destruction, stolen valuables
- Roof Damage – Hail, wind, fallen trees
Business & Commercial Claims
- Business Interruption – Loss of income due to property damage
- Equipment & Inventory Damage – Electronics, stock, machinery
- Commercial Property Damage – Warehouses, storefronts, rental units
No matter the type of loss, our team ensures that every detail is properly documented so that you receive the compensation you’re entitled to.
Texas Insurance Laws & Policyholder Rights
Many Texas policyholders don’t realize they have specific rights when dealing with insurance claims.
Know Your Rights in Texas:
✔ Response Time Limits – Insurance companies must acknowledge your claim within 15 days of filing.
✔ Fair Claims Handling – Insurers must act in good faith and cannot unreasonably delay payment.
✔ Policyholder Protections – If your claim is denied, you have the right to request justification and appeal the decision.
✔ Bad Faith Claims – If an insurer deliberately underpays or wrongfully denies your claim, you may have legal recourse under Texas Insurance Code Chapter 541.
Not sure if your insurance company is treating you fairly? We’ll review your policy and claim to make sure your rights are upheld.
Insurance Policy Evaluations
Understanding your insurance policy is crucial when filing a claim. Many policies contain limitations, exclusions, and coverage caps that can significantly impact the final settlement.
At YPA Public Adjusters, we conduct thorough policy evaluations to identify hidden coverage, overlooked endorsements, and potential claim errors that could reduce your payout. Insurance company adjusters may attempt to minimize settlements by stopping at policy limits or miscalculating repair costs. Our team reviews every detail to ensure you receive the highest possible compensation.
A licensed public adjuster will:
- Break down your policy coverage in clear terms
- Assess depreciation, co-insurance, and replacement costs
- Identify overlooked policy benefits that could increase your claim
Insurers often work to protect their financial interests—we work to protect yours.
Can a Contractor Handle My Claim?
Many homeowners assume that their contractor can negotiate with the insurance company on their behalf. This is false—and illegal in Texas.
Key Differences Between Contractors & Public Adjusters:
| Feature | Public Adjuster | Contractor |
|---|---|---|
| Licensed to Negotiate Claims | ✅ Yes | ❌ No |
| Interprets Insurance Policy Coverage | ✅ Yes | ❌ No |
| Ensures Maximum Payout | ✅ Yes | ❌ No |
| Provides Repair Services | ❌ No | ✅ Yes |
| Follows Texas Insurance Laws | ✅ Yes | ❌ No |
Why does this matter?
🚨 Unauthorized Public Adjusting (UPPA) is illegal and can result in claim denial or legal trouble for the policyholder.
To protect yourself, always work with a licensed public adjuster when negotiating an insurance claim.
No Upfront Costs – We Work on Contingency
Filing a property damage claim in Texas doesn’t have to be an expensive process. YPA Public Adjusters work on a contingency basis, meaning you pay nothing unless we successfully recover or increase your settlement.
Why work with us?
Support at any stage – Whether your claim is new, underpaid, or even denied, we can step in to fight for what you’re owed.
No out-of-pocket costs – We don’t get paid unless you do.
Higher settlements – Studies show claims handled by public adjusters result in higher payouts—in some cases, up to 737% more.
We Handle Your Insurance Company for You
Dealing with an insurance company can be overwhelming. Claims involve complex laws, building codes, and technical language that can impact your settlement.
Our team takes over the entire process, ensuring that:
✅ All paperwork is accurate and complete
✅ Policy coverage is correctly applied
✅ Negotiations prioritize your best interests
✅ Your settlement is paid as quickly as possible
Be Careful What You Say to Your Insurer
What you say to your insurance adjuster matters. A single misstatement could lead to a claim denial. Insurance representatives aren’t obligated to explain policy details—they work for their company, not for you. Our experts know how to handle these conversations, ensuring your rights are protected from start to finish.
🔴 Avoid giving recorded statements without professional advice
🔴 Don’t accept an offer before a public adjuster reviews it
🔴 Never assume the insurance company is looking out for your best interest
If you’re dealing with water damage, storm damage, fire loss, or another property claim, contact us today. We’ll review your situation and help you get the compensation you deserve.
Public Adjuster vs. Insurance Adjuster vs. Independent Adjuster
Many people are confused about the different types of adjusters. Here’s a simple breakdown:
| Feature | Public Adjuster | Insurance Adjuster | Independent Adjuster |
|---|---|---|---|
| Works for | Policyholder (You) | Insurance Company | Insurance Company |
| Goal | Maximize your settlement | Minimize company payouts | Neutral evaluation |
| Fees | % of increased payout | Salary from insurer | Paid per claim |
| Negotiation | ✅ Yes | ❌ No | ❌ No |
| Claim Assistance | ✅ Yes | ❌ No | ✅ Limited |
Bottom line? Insurance company adjusters protect their employer’s profits, while public adjusters protect your settlement.
What to Do Before Filing an Insurance Claim
Making simple mistakes when filing a claim can cost you thousands. Follow these steps to increase your chances of a higher payout:
1️⃣ Document the Damage – Take clear photos and videos immediately.
2️⃣ Secure Temporary Repairs – Prevent further damage but keep receipts for reimbursement.
3️⃣ Review Your Policy – Check for deductibles, exclusions, and coverage limits.
4️⃣ Don’t Rush Into a Settlement – Consult a public adjuster before accepting any offer.
Need help with your claim? Contact us for a free consultation.
Our job is to advocate for you throughout this process, ensuring fair treatment and a settlement that reflects the true cost of repairs.
Myths About Public Adjusters in Texas
🚫 Myth #1: Public adjusters are expensive.
✅ Fact: We work on contingency—no recovery, no fee.
🚫 Myth #2: Public adjusters only help with denied claims.
✅ Fact: We assist with new claims, underpaid claims, and appeals.
🚫 Myth #3: My settlement will be the same whether I hire an adjuster or not.
✅ Fact: Public adjusters can increase settlements by up to 700%.
Find a Texas Public Adjuster Near You
If you’re facing a difficult insurance claim, having an experienced public adjuster on your side can make all the difference.
At YPA Public Adjusters, we offer:
✅ Licensed professionals with deep knowledge of Texas insurance laws
✅ Ongoing education to stay updated on industry regulations
✅ A commitment to getting you the settlement you deserve
Not every claim requires a public adjuster, but when dealing with complex losses, underpaid claims, or denials, having an expert in your corner can be a game-changer. Contact us today for a free consultation and find out how we can help.
Frequently Asked Questions (FAQ)
What does a public adjuster do?
A public adjuster represents policyholders during the insurance claims process. Unlike insurance company adjusters—who work for the insurer—public adjusters fight to maximize your settlement by assessing damages, reviewing policy details, and negotiating on your behalf.
How much does a public adjuster cost?
Most public adjusters, including YPA Public Adjusters, work on a contingency basis. That means you pay nothing upfront, and we only get paid if we successfully increase your settlement. If we don’t recover additional funds, you owe us nothing.
Can I hire a public adjuster after my claim is denied?
Yes! If your claim has been denied or underpaid, we can reopen the case and negotiate for a better settlement. Many claims that are initially rejected can still result in a payout when handled correctly.
When should I contact a public adjuster?
It’s best to contact a public adjuster as soon as you experience property damage. However, we can assist you at any stage, including:
✅ Before filing a claim – To ensure all documentation is in order
✅ After filing but before settlement – To negotiate a higher payout
✅ After a low settlement offer or denial – To fight for the full amount you deserve
Can my contractor negotiate my claim for me?
No. In Texas, it is illegal for contractors to negotiate insurance claims on behalf of policyholders. Only licensed public adjusters or attorneys can legally handle claim negotiations.
How long does the claims process take?
The timeline depends on several factors, including claim complexity, insurance company response times, and the need for negotiations. Typical timelines:
- Simple claims – 2-4 weeks
- Moderate claims (damage requiring deeper assessment) – 4-8 weeks
- Complex or disputed claims – 2+ months
If your insurer is delaying payments, we will step in to speed up the process.
Will hiring a public adjuster increase my settlement?
Yes! Studies show that policyholders who hire public adjusters receive settlements that are up to 737% higher than those who handle claims alone. Insurance companies often undervalue damages, and without expert negotiation, you could leave thousands of dollars on the table.
What types of claims do public adjusters handle?
We handle a variety of residential and commercial claims, including:
✔ Storm & hail damage
✔ Fire & smoke damage
✔ Water, flood & mold damage
✔ Roof damage
✔ Business interruption losses
✔ Theft & vandalism claims
If you’re unsure whether your claim qualifies, contact us for a free consultation.
My insurance company already made an offer. Can I still hire a public adjuster?
Yes! Even if your insurer has already made an offer, a public adjuster can review your settlement and determine if you’re being underpaid. In most cases, we can negotiate a higher payout even after an initial offer has been made.
What if my insurance company refuses to pay?
If your insurer wrongfully denies or delays your claim, we will fight back using:
✔ Policy reviews – Checking for misinterpretations
✔ Evidence documentation – Strengthening your case
✔ Negotiations – Pushing for a fair settlement
✔ Legal referrals – If needed, we can refer you to an attorney
Texas law protects policyholders from bad-faith insurance practices, and we make sure you aren’t taken advantage of.
How do I get started?
💬 Call us today at (682) 267-0336 for a free consultation! We’ll review your claim, explain your options, and help you fight for the maximum payout.
Final Thoughts
Dealing with insurance claims can be stressful, but you don’t have to handle it alone. Whether your claim is small or large, straightforward or complicated, a licensed Texas public adjuster can provide the expertise you need to secure a fair settlement.
💬 Ready to discuss your claim? Reach out to YPA Public Adjusters today at (682) 267-0336 and let us help you recover what you’re entitled to.