Public Insurance Adjuster in Friendswood, TX
Friendswood, TX sits on Clear Creek, and that one waterway shapes most of what policyholders here ask us. Hurricane Harvey in 2017 flooded neighborhoods along the creek that had never taken water before, and hail from spring storms can damage a roof that looks fine from the street. We are a licensed Texas public insurance adjuster, and we work for you, not the carrier.
Many homes in town are established subdivision houses with brick exteriors and composition shingle roofs. Both matter on a claim. Water that wicks into brick-veneer walls and insulation hides behind a clean surface, and a roof needs a slope-by-slope count before anyone writes it off as old. The city spans Galveston and Harris Counties, and your own policy decides what applies, so we read it first.
Wind, water and hail each leave different evidence, and we record all three the same way: room by room, slope by slope, with dates and photographs. Nothing gets guessed, and nothing gets thrown away before it is documented.
Our office is in nearby Alvin. The first review is free. If your Friendswood claim was denied or the offer feels low, send us the letter and we will go through it with you.
What shapes insurance claims in Friendswood
01Clear Creek flooding
Clear Creek runs through Friendswood, and Hurricane Harvey in 2017 flooded neighborhoods along it that had not flooded before. Creek water is flood, which usually needs its own policy. We record the water line room by room and prepare the paperwork before cleanup removes the proof.
Flood claims in Friendswood02Hurricane and thunderstorm wind
Wind from Gulf storms and thunderstorms tears at Friendswood roofs, siding and fences, and trees falling on houses add structural damage. We document the pattern of damage, check the deductible the carrier applied and separate wind loss from any water that rose from outside.
Storm claims in Friendswood03Hail from spring storms
Spring storms across the Houston region drop hail that can damage Friendswood shingles even where the roof looks intact from the street. We inspect each slope, count impacts in test squares and record dents in vents and gutters, so a wear and tear label does not stand alone.
Hail claims in Friendswood
Claims we handle in Friendswood
- Fire & Smoke DamageSmoke and soot move through brick-clad Friendswood homes well past the burned room. We map the damage room by room, check ducts and attics, and document living costs so the carrier answers a complete estimate. Fire claims in Friendswood
- Flood DamageCreek water leaves hidden damage in Friendswood brick walls and insulation. We record the water line before demolition, prepare the sworn Proof of Loss and build the contents schedule your flood policy asks for. Flood claims in Friendswood
- Hail DamageHail can bruise composition shingles in Friendswood without showing from the street. We count impacts in marked test squares on every slope and tie the damage to a dated storm, so the answer rests on measurements. Hail claims in Friendswood
- Water DamageMoisture hides inside brick-clad Friendswood walls long before a stain shows. We take readings, keep the failed part when possible and record drying, so a sudden loss is not mislabeled as gradual. Water claims in Friendswood
- Storm, Wind & HurricaneA Friendswood storm can bring wind and creek water at once. We document where the wind opened the roof, where the water came from and what the deductible should be, so each part of the loss is counted. Storm claims in Friendswood
Built for Friendswood homes
Established subdivision homes with brick exteriors
Brick exteriors can look untouched after water gets in. Flood water wicks into veneer walls and insulation, and a visual check misses it. We take moisture readings and open the right spots so the hidden part of the loss reaches the estimate.
Homes with composition shingle roofs
On composition shingle roofs, we count damage slope by slope with test squares. Each slope can differ, and age alone is not proof of wear. Measured counts, photographs and a dated storm report give the carrier something concrete to answer.
Questions about public adjusters in Friendswood
Answer 01
Standard Texas homeowners policies commonly exclude flood, meaning rising surface water such as creek overflow. Coverage for creek water typically sits in a separate NFIP or private flood policy. Water that enters through a storm-damaged roof is a different cause of loss. Bring us your policies and we will read which one responds to your Friendswood loss.
Standard Texas homeowners policies commonly exclude flood, meaning rising surface water such as creek overflow. Coverage for creek water typically sits in a separate NFIP or private flood policy. Water that enters through a storm-damaged roof is a different cause of loss. Bring us your policies and we will read which one responds to your Friendswood loss.
Cause of loss is a question of evidence. We look at the pattern of roof and siding damage, high-water marks, debris lines and the order in which rooms were affected. Dated storm records for your address help too. Photograph everything before repairs begin, because cleanup can erase the marks that separate wind from water.
Take photos and video of every room and every roof slope from several angles, including areas that look fine. Keep receipts for tarps, board-up and drying. Write down the claim number, the adjuster's name and each date you speak with the carrier. Hold off on throwing away damaged material until it has been recorded.
Yes, the review is free. Send us the denial or estimate and your policy. We compare the carrier's scope with what an independent inspection finds, such as hidden moisture in brick walls or hail counts on each roof slope. We cannot promise what a carrier will do, but we can show you where the file may be thin.
The fee is a contingency: an agreed percentage of the recovery, set out in a written contract before work begins. You pay nothing up front, and there is no fee if there is no recovery. You see the contract first and can ask questions before you sign. We would rather you understand it than rush it.
We handle fire and smoke, flood, hail, water and storm claims for policyholders, including denied, underpaid and delayed ones. To begin, use the free claim review on this site or call the number shown. Tell us what happened and share your policy and any carrier letters. We take it from there and keep you informed.