Public Adjusters in Texas

Texas ranks among the top states for property damage claims, driven by a punishing combination of hurricanes along the Gulf Coast, severe hailstorms across North Texas, tornadic activity in the central corridor, and flooding events that can strike virtually anywhere in the state. For homeowners dealing with the aftermath of a major weather event, a licensed public adjuster can be the most effective advocate in getting your insurance claim paid fairly.

Public adjusters in Texas are licensed by the Texas Department of Insurance (TDI). They work exclusively for policyholders — not insurance companies — and handle every aspect of the claims process: inspecting damage, documenting losses, preparing detailed estimates, and negotiating with the carrier. Unlike Florida, Texas does not impose a statutory cap on public adjuster fees, so it's important to review and understand the fee agreement before signing. Most Texas public adjusters work on a contingency basis, typically charging between 10% and 15% of the claim settlement, though fees can vary.

Texas homeowners face unique challenges with property insurance. The state's sheer geographic diversity means that claim types vary dramatically by region: coastal homeowners deal with hurricane and flood damage, while North Texas residents contend with some of the most damaging hailstorms in the country. Central Texas sees tornado activity and flash flooding. Having a public adjuster who understands the specific damage patterns and insurance dynamics of your region is critical to a successful claim.