Galveston County

Public Insurance Adjuster in Dickinson, TX

Dickinson Bayou flooding and TWIA windstorm territory — one of Harvey's hardest-hit communities.

Office: 15586 County Rd 436, Alvin, TX 77511 — about 20 miles southeast of our Alvin office.

Dickinson was among the communities most severely affected by Harvey. Dickinson Bayou overwhelmed a town built along it, and a large share of the housing stock took water — much of it uninsured for flood because it sat outside the mapped high-risk zone.

Recovery here is still visible, and it shows up in claims. Properties that were repaired, elevated, sold or rebuilt after 2017 carry a history that carriers examine closely on any new loss. We document the current condition properly so that history stops being an argument against you.

Dickinson risk profile

What actually damages property in Dickinson

Insurance in Galveston County is shaped by the perils this area really faces — and by which policy is supposed to respond to each of them.

Dickinson Bayou flooding

The bayou defines the town's flood exposure and produced the catastrophic 2017 losses. Flood requires a separate policy from homeowners in every case.

TWIA windstorm territory

Galveston County is a designated coastal county, so wind and hail may be carried by the Texas Windstorm Insurance Association with its own claim process.

Elevated and post-flood rebuilt homes

Properties elevated after a substantial damage determination have different exposures — enclosed lower areas, utilities and access structures with specific coverage limitations.

Storm surge from Galveston Bay

Surge travelling up the bayou system is flood, and is claimed under NFIP or private flood rather than the homeowner or windstorm policy.

Elevated homes carry coverage traps

A significant number of Dickinson homes were elevated after Harvey, either voluntarily or under a substantial damage determination. Elevation reduces flood risk substantially, but it introduces coverage questions that catch owners out.

Under NFIP rules, an enclosed area below the lowest elevated floor has severely restricted coverage — generally limited to specific building elements and essential equipment, with contents in that space largely uncovered. Stairs, decks, and utilities serving the elevated structure have their own treatment. Knowing what is actually insured down there before the next event is worth an hour of anyone's time.

The flood policy nobody was required to buy

Much of the Dickinson damage in 2017 happened to homes outside the mapped hundred-year floodplain, where no lender required flood insurance and most owners did not carry it voluntarily. That produced a large uninsured loss across the community.

The lesson is that a flood map is a regulatory and pricing instrument, not a prediction. If you are in Dickinson without a flood policy because you are not required to have one, that is a decision worth revisiting rather than a risk that has been assessed away.

Claims we handle here

Every catastrophe claim type in Dickinson

Residential and commercial, new claims and reopened ones.

How it works

What happens after you call

No fee up front, and no fee at all unless the claim recovers. Here is the whole process.

Free claim review
Call us and we read the policy — every coverage, endorsement, sub-limit and deductible. If your claim is being handled properly, we will tell you so.
Independent inspection
We inspect the property ourselves: every roof slope, moisture readings across affected and unaffected material, thermal scanning, HVAC, attic and detached structures.
Scope, estimate and inventory
A line-by-line replacement cost estimate in the same software carriers use, plus the contents inventory and any specialist reports the file needs.
Negotiation
We present the documentation, respond in writing to the carrier's position, and work the gap between the two estimates — through appraisal if it comes to that.
Settlement and follow-through
We track the actual cash value payment, the recoverable depreciation holdback and its deadline, and any supplemental claim as the rebuild uncovers more.

Answers

Dickinson claim questions

Still unsure? A phone call costs nothing and usually answers it in five minutes.

Call (281) 829-8020

Do you serve Dickinson and the surrounding Galveston County area?

Yes. Dickinson is roughly twenty miles from our Alvin office and we handle flood, windstorm, hail, fire and water damage claims throughout Galveston County, including League City, Santa Fe, Texas City and the bayou communities.

My home was elevated after Harvey. What does my flood policy actually cover downstairs?

Under NFIP rules, coverage in an enclosed area below the lowest elevated floor is sharply limited. It generally extends to specific building elements and essential equipment such as furnaces, water heaters and electrical panels, while personal property stored there is largely uncovered. It is worth confirming the specifics of your policy before using that space for anything valuable.

I flooded but I was not in a flood zone and had no flood policy. Is anything recoverable?

Rising water is excluded from homeowner policies regardless of flood zone designation, so that portion is not covered without a flood policy. What is worth examining is whether any part of the loss entered through a wind-created opening, which would be a windstorm claim under a different policy.

How are wind claims handled differently in Dickinson?

Galveston County sits in the designated coastal windstorm territory, so wind and hail coverage may be provided by the Texas Windstorm Insurance Association rather than your homeowner carrier. TWIA has its own reporting deadlines, claim handling process and appraisal mechanism, and filing with the wrong carrier costs time.

Nearby communities

Also serving the areas around Dickinson

View all 9 service areas

What clients say

Policyholders we have stood beside

Every review below is from a Texas property owner who came to us mid-claim.

“After experiencing severe flood damage, I was overwhelmed with the insurance claims process. Joe Hensley and his team were lifesavers. They handled everything with professionalism and empathy, ensuring we understood every step. Their expertise made a significant difference in our claim. Highly recommend!”

Evelyn TorresFlood damage claim · Houston, TX

“Dealing with earthquake damage was stressful, but Joe Hensley Public Insurance Adjusters made the insurance claim process bearable. Their attention to detail and dedication to getting us the best outcome was evident from start to finish. Truly grateful for their support and expertise.”

Marcus JohnsonEarthquake damage claim · Pearland, TX

“Joe Hensley Public Insurance Adjusters provided exceptional service after hail damaged our home. Their team was not only knowledgeable and efficient but also incredibly supportive throughout the entire process. We felt genuinely cared for and would recommend their services to anyone facing similar challenges.”

Linda NguyenHail damage claim · Friendswood, TX

“I never imagined that dealing with the aftermath of a storm could be so straightforward until I worked with Joe Hensley's team. Their thorough approach to our insurance claim ensured we received the compensation we deserved. Their expertise and compassion made all the difference. Thank you!”

Raj PatelStorm damage claim · League City, TX

Read all client reviews

Need a public adjuster in Dickinson?

We are about 20 miles southeast of our Alvin office. Bring us your policy and the carrier's estimate — the review is free and there is no fee unless your claim recovers more.

Call (281) 829-8020 Request a claim review

Open 24 hours, 7 days a week · Licensed Texas public insurance adjusters