Galveston & Harris Counties

Public Insurance Adjuster in Friendswood, TX

Clear Creek flood exposure and a housing stock still carrying the memory of Harvey.

Office: 15586 County Rd 436, Alvin, TX 77511 — about 15 miles east of our Alvin office.

Friendswood took one of the worst residential flood hits in the region during Harvey. Clear Creek runs through the middle of the city, and when it came out of its banks it reached neighbourhoods along Forest Bend and Wilderness Trails that had every reason to believe they were safe. Thousands of homes were affected, and a significant number are still owned by people who rebuilt rather than sold.

That history shapes the claims we see here. Many Friendswood properties have a prior flood loss on file, which carriers use to argue that current damage is pre-existing. Documenting the post-repair condition of a previously flooded home is often the most important thing on the file.

Friendswood risk profile

What actually damages property in Friendswood

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

Clear Creek flooding

The defining flood risk in Friendswood, and the reason a large share of the city carries NFIP coverage. Repetitive loss designations are common along the creek corridor.

Prior-loss disputes

Where a home flooded before, carriers routinely attribute new damage to the old event. Repair records and closeout documentation from the previous claim become evidence.

Hurricane wind and wind-driven rain

Close enough to the coast to take a substantial wind field. Galveston County portions may be TWIA-eligible; Harris County portions generally are not.

Mature tree impact

The established canopy that makes Friendswood attractive also puts large trees over roofs, producing impact and puncture losses in every major wind event.

Second-time flood claims and the pre-existing damage argument

If your home flooded in Harvey, was repaired, and has now taken water again, expect the carrier to look hard at what was actually fixed the first time. This is a legitimate question and it has a documentary answer: the previous claim's final scope, the contractor invoices, the certificate of completion and the photographs taken when the work was signed off.

Homeowners who kept that file settle these claims. Homeowners who did not spend months arguing about it. If you have been through a flood in Friendswood and rebuilt, put those documents somewhere permanent now, before you need them.

Two counties, two windstorm answers

Friendswood straddles the Galveston and Harris County line, and that boundary carries insurance consequences. Galveston County is one of the fourteen designated coastal counties eligible for Texas Windstorm Insurance Association coverage. Most of Harris County is not.

So two houses a few streets apart can have wind covered by entirely different mechanisms — one through TWIA with its own claim process and deadlines, the other through the homeowner carrier with a named-storm percentage deductible. Filing with the wrong one costs time you may not have.

Claims we handle here

Every catastrophe claim type in Friendswood

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

Friendswood claim questions

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

Call (281) 829-8020

Do you handle Harvey-related supplemental claims in Friendswood?

Where the policy and statutory deadlines still allow it, yes. More often what we see now is a new loss on a previously flooded home, where the carrier attributes current damage to the earlier event. Those claims are won with the prior claim's repair documentation, so it is worth locating those records before filing.

Is Friendswood in the TWIA windstorm territory?

It depends on which side of the county line your property sits. The Galveston County portion of Friendswood is within the designated coastal territory eligible for Texas Windstorm Insurance Association coverage. The Harris County portion generally is not, and wind there is carried by the homeowner policy.

A tree fell on my Friendswood house. What does the policy cover?

Standard Texas homeowner policies cover the damage the tree caused to your structure and covered property, along with reasonable removal cost, whether the tree was yours or a neighbour's. Removal of a tree that fell without damaging anything insured is usually limited or excluded.

How do I prove my home was properly repaired after the last flood?

With the previous claim's final settlement scope, contractor invoices, permit records, completion certificates and dated photographs from when the work finished. That package is what rebuts a pre-existing damage argument on a second claim, and it is far easier to assemble before you need it than after.

Nearby communities

Also serving the areas around Friendswood

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 Friendswood?

We are about 15 miles east 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