Frequently Asked Questions

A public adjuster is a licensed professional who works exclusively for you, the policyholder, to help maximize your insurance claim settlement. Unlike insurance company adjusters who work for the insurance company, public adjusters advocate for your interests and ensure you receive the full compensation you're entitled to under your policy.

We work on a contingency fee basis, meaning we only get paid when you receive your settlement. There are no upfront costs or fees. Our fee is a percentage of the settlement amount we secure for you, and it's only collected after you receive your insurance payout. This aligns our interests with yours - we're motivated to get you the maximum settlement possible.

No, using a public adjuster typically speeds up the claims process. We have established relationships with insurance companies and understand their processes. We ensure all documentation is complete and accurate from the start, which prevents delays and back-and-forth communications. Most of our clients receive their settlements faster than they would handling the claim themselves.

Yes, you can hire a public adjuster at any time during the claims process, even if you've already filed your claim or received an initial settlement offer. We often help clients who are unsatisfied with their insurance company's initial offer or who feel their claim isn't being handled properly. It's never too late to get professional help with your claim.

We primarily serve Dallas, Texas and the surrounding metropolitan areas. This includes Arlington, Plano, Irving, Garland, Fort Worth, and other nearby communities. We're licensed to work throughout Texas and can travel to assess significant hail damage claims. Contact us to confirm service availability in your specific area.

You should file your claim as soon as possible after discovering hail damage. Most insurance policies require prompt notification of damage. However, you typically have up to one year from the date of loss to file a claim in Texas. The sooner you file, the sooner you can begin the assessment and repair process. Contact us immediately after a hail storm for emergency damage documentation.

When you go directly to an auto shop, they often keep any settlement money that exceeds their repair costs. With a public adjuster, you receive the entire settlement amount and can choose any repair shop you prefer. We also identify damage that shops might miss or ignore, typically resulting in 40-60% higher settlements. You maintain complete control over your repairs and timeline.

Absolutely not. You have the right to choose any licensed contractor you prefer for repairs. Insurance companies may suggest contractors, but you're under no obligation to use them. We help you maintain this freedom by securing your full settlement amount upfront, allowing you to shop around for the best quality, price, and timeline that meets your needs.

Claim denials are not uncommon, but they're often overturned with proper documentation and advocacy. We thoroughly review denied claims and often find that damage was missed or improperly assessed. Our detailed documentation and professional expertise frequently result in successful appeals of denied claims. We handle all communications with the insurance company throughout the appeals process.

The timeline varies depending on the complexity of the damage and your insurance company's processes. Simple claims may be resolved in 2-4 weeks, while more complex claims might take 6-8 weeks. Our professional handling typically results in faster resolutions than self-managed claims because we ensure all documentation is complete and accurate from the start, reducing delays and requests for additional information.