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Expert public insurance adjuster in Texas
Art handles your hail, wind, or fire claim from start to finish, working for you, not the insurance company.
What Art does
What an expert public insurance adjuster does for you
Your insurer has its own adjuster. A public adjuster is licensed by the Texas Department of Insurance to work for you instead, and handles the whole claim from start to finish.
Reads the policy
Art reviews your coverage, deductibles, endorsements, and deadlines, plus every letter and estimate the insurer has sent.
Documents the loss
He inspects and measures the property, photographs the damage, and brings in engineers or contractors when the loss calls for it.
Builds the claim
A line-by-line estimate and proof of loss that counts every roof, unit, code upgrade, and business-income dollar.
Negotiates the settlement
Art presents the claim and negotiates with your insurer so you can get back to running your property.
When to call
When a public adjuster makes sense
A storm or fire just hit and you haven't filed yet, or just filed.
Weeks go by with no decision, more requests for documents, or a new adjuster every month.
The insurer says the damage is wear and tear, a different storm, or not covered.
Apartments, HOAs, campuses, and portfolios where every roof and unit has to be counted.
Lost rents or income while the property is down, which insurers often leave out.
If coverage is agreed and the dispute is just the amount, appraisal may be the faster path.
Texas rules
Protections built into every Texas public adjuster contract
Set by Texas law, including expenses.
Written notice within 72 hours of signing.
License number on every page of the contract.
A public adjuster can't repair a property he adjusts. You pick your contractor.
Verify any adjuster's license with the Texas Department of Insurance or call TDI at 800-252-3439.
Who Art represents
Built for property losses across Texas.
Service areas
Public adjusting across Texas
Art works claims statewide. Start with your area:
Questions
Public adjuster FAQ
What does a public insurance adjuster do?
A public insurance adjuster works for you, not the insurance company. In Texas, public adjusters are licensed by the Texas Department of Insurance to represent policyholders: they read the policy, document and measure the damage, build the estimate and proof of loss, and negotiate the settlement with your insurer.
How much does a public adjuster cost in Texas?
A public adjuster is paid a percentage of the claim settlement. Texas law caps the total fee at 10% of the amount paid, including expenses, and you can cancel the contract in writing within 72 hours of signing. There is no upfront charge for Art's claim review.
When should I hire a public adjuster?
Most owners call when the loss is large, the claim is complicated, the insurer is slow, or the offer or denial doesn't match the damage. The earlier Art is involved, the more he can document before repairs start, but he can also step into a claim that is already open.
Can I hire a public adjuster after the insurer has made an offer?
Yes. Many clients call after an offer comes in far below their contractor's bid. Art reviews the offer and the policy and tells you whether a public adjuster, appraisal, or neither makes sense.
Can Art be my public adjuster and my appraiser on the same claim?
No. An appraiser has to be impartial, and a public adjuster has a financial stake in the settlement. Art takes one role per claim and will tell you which one fits after a free review.
Will a public adjuster do my repairs?
No. Texas law doesn't allow a public adjuster to take part in repairing a property he is adjusting. You choose your own contractor.