Public Insurance Adjusters Serving Texas
Our office is at 15586 County Rd 436, Alvin, TX 77511 — in Brazoria County, minutes from the communities we serve most. Every area page below is written from that city’s actual risk profile: its watershed, its windstorm designation and its storm history.
Where we work
Nine Texas communities, nine different risk profiles
Insurance in Dickinson does not work the way it works in Laredo. These pages set out what actually damages property in each place, and which policy is supposed to respond.
Houston, TX
Bayou flooding, hurricane wind and hail across Harris County — the metro we know street by street.
77002 · 77008 · 77024 · 77035Houston claimsBrazoria CountyAlvin, TX
Our home base. Brazoria County flood, wind and hail claims handled from an office in town.
77511 · 77512Alvin claimsBrazoria CountyPearland, TX
Clear Creek and Mary's Creek flooding plus dense new-build hail exposure across 77581 and 77584.
77581 · 77584 · 77588Pearland claimsGalveston & Harris CountiesFriendswood, TX
Clear Creek flood exposure and a housing stock still carrying the memory of Harvey.
77546 · 77549Friendswood claimsGalveston CountyLeague City, TX
TWIA windstorm territory with Clear Creek, Dickinson Bayou and Clear Lake waterfront exposure.
77573 · 77574 · 77565League City claimsGalveston CountyDickinson, TX
Dickinson Bayou flooding and TWIA windstorm territory — one of Harvey's hardest-hit communities.
77539 · 77573Dickinson claimsGalveston CountySanta Fe, TX
Inland Galveston County — full coastal wind exposure, acreage outbuildings and hail.
77510 · 77517Santa Fe claimsWebb CountyLaredo, TX
A different risk profile entirely — severe hail, straight-line wind and flash flooding on the border.
78040 · 78041 · 78043 · 78045Laredo claimsNueces CountyCorpus Christi, TX
Direct Gulf exposure, TWIA windstorm coverage and the wind-versus-surge fight that follows every landfall.
78401 · 78404 · 78411 · 78412Corpus Christi claimsClaims we handle
Every claim type, in every area
Residential and commercial, new claims and reopened ones.
Fire Damage
Full documentation of structure, smoke, soot and contents loss — then a line-by-line negotiation with your carrier's estimate.
Claim detailsFlood & rising water claimsFlood Damage
NFIP and private flood claims, documented to the proof-of-loss standard the program actually requires.
Claim detailsHail & roof claimsHail Damage
Independent slope-by-slope roof inspection and test squares that separate real hail bruising from the 'wear and tear' denial.
Claim detailsWater & pipe loss claimsWater Damage
Sudden-and-accidental water losses documented with moisture mapping — before the drying equipment erases the evidence.
Claim detailsStorm, wind & hurricane claimsStorm Damage
Hurricane, wind and tornado losses — including the wind-versus-flood causation split that decides which policy pays.
Claim detailsEarthquake & seismic claimsEarthquake Damage
Seismic and ground-movement losses, including the induced-seismicity events Texas policies were never written for.
Claim detailsCoastal surge & inundation claimsTsunami Damage
Catastrophic coastal inundation — surge, wave action and scour — valued and claimed under the right policy.
Claim detailsWhat 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!”
“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.”
“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.”
“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!”
Answers
Frequently asked questions
Still unsure? A phone call costs nothing and usually answers it in five minutes.
Which Texas cities do you serve?
We are based in Alvin and serve Houston, Pearland, Friendswood, League City, Dickinson and Santa Fe across Brazoria, Harris and Galveston Counties, plus Corpus Christi on the coast and Laredo on the border. We handle claims throughout Texas.
Do you charge extra for properties further from your office?
No. The fee is a percentage of the recovery on the claim, capped by Texas law, regardless of where the property is. Travel is not billed separately.
How quickly can you inspect my property?
In the Houston metro and the Galveston County communities, usually within a day or two under normal conditions. After a widespread catastrophe, filing early matters because carrier inspection queues fill quickly.
Which counties are in the TWIA windstorm territory?
Fourteen Texas coastal counties are designated, including Brazoria, Galveston and Nueces, plus the part of Harris County east of State Highway 146. In that territory, wind and hail may be carried by the Texas Windstorm Insurance Association rather than your homeowner carrier — which changes who you file the claim with.
Do not settle for the first number
If the offer does not cover the work, that gap is documentable. Free policy and damage review, no fee unless your claim recovers more.
Open 24 hours, 7 days a week · Licensed Texas public insurance adjusters