Public Insurance Adjuster in Houston, TX
Rain that falls on Houston, TX, has to cross a flat metro area to reach the water, and Buffalo Bayou and the city's other bayous carry it. Hurricane Harvey in 2017 flooded many Harris County homes that had never flooded before, so a past dry record tells you little about the next storm. Gulf storm wind also reaches the city, and spring thunderstorms drop hail that is often disputed as wear and tear.
Housing here changes how a claim gets built. Older neighborhoods have pier-and-beam bungalows, where moisture can sit in the crawl space under the floor and stay hidden until someone checks from below. Brick-veneer homes with shingle roofs are everywhere too, and the shingles, flashing and brick each need their own line in an estimate. Our home base is in Alvin, a drive south of the city, and we represent Houston policyholders on fire, flood, hail, water and storm losses. We read your policy, inspect the loss and document it in writing before you answer your carrier. Ready to compare what you were offered with what is really damaged? Request a free claim review, and we will take it from there.
What shapes insurance claims in Houston
01Bayou and street flooding
Houston's bayous carry heavy rain across a flat metro area, and Hurricane Harvey in 2017 flooded many homes that had not flooded before. A clean flood history does not settle the question. We record water lines and affected systems early, then prepare the flood file your policy asks for.
Flood claims in Houston02Hurricane and tropical storm wind
Wind from Gulf storms reaches Houston and damages roofs, windows and fences, and it can send trees onto structures. We document the pattern of the damage, check any percentage deductible, and keep wind losses apart from water so each policy gets the right record.
Storm claims in Houston03Hail from severe thunderstorms
Severe spring storms regularly drop hail across the metro area, and roof damage from it is often disputed as wear and tear. We answer that with a count of impacts on every slope, dents in soft metals and a storm report tied to your address.
Hail claims in Houston
Claims we handle in Houston
- Fire & Smoke DamageSmoke follows framing and ducts in Houston pier-and-beam and brick-veneer homes. We test and map each room, list contents with replacement pricing and document living costs for your insurance carrier. Fire claims in Houston
- Flood DamageHouston bayou and street flooding means a flood policy, a sworn proof of loss and evidence that demolition erases. We record water lines, mechanical systems and contents before cleanup begins. Flood claims in Houston
- Hail DamageHail on Houston brick-veneer homes often hides in the shingles and flashing, not the brick. We count impacts in test squares on every slope and answer wear and tear findings with evidence. Hail claims in Houston
- Water DamageLeaks in Houston pier-and-beam and brick-veneer homes hide under floors and behind walls. We map moisture, keep the failed part and document sudden versus gradual before mitigation removes the evidence. Water claims in Houston
- Storm, Wind & HurricaneGulf storm wind and bayou rain can hit one Houston property together. We separate wind openings from flood water, check the deductible math and document roofs, windows, fences and fallen trees. Storm claims in Houston
Built for Houston homes
Pier-and-beam bungalows in older neighborhoods
Older pier-and-beam bungalows have crawl spaces that trap moisture under the floor after a leak or flood. The damage can stay hidden until someone checks from below, so we inspect there and record readings before repairs close it up.
Brick-veneer homes with shingle roofs
On brick-veneer homes with shingle roofs, wind-driven rain and hail damage the shingles and flashing, not the brick. Each is a separate item, so we write them up on separate lines and make sure the roof is not skipped.
Questions about public adjusters in Houston
Answer 01
Standard homeowners policies commonly exclude flood, meaning rising surface water from bayous or street flooding. For flood, you generally need a separate NFIP or private flood policy. Wind damage and rain that enters through a storm-damaged roof can fall under the homeowners policy. We read what you carry and explain which policy answers which damage.
Standard homeowners policies commonly exclude flood, meaning rising surface water from bayous or street flooding. For flood, you generally need a separate NFIP or private flood policy. Wind damage and rain that enters through a storm-damaged roof can fall under the homeowners policy. We read what you carry and explain which policy answers which damage.
Photos and video of every room before cleanup, water lines on the walls, a list of damaged belongings and receipts for emergency work. Keep damaged materials until they are documented. In older pier-and-beam houses, the crawl space under the floor should be checked too, since damage can sit there unseen.
Start by getting the denial letter and your policy in one place. Hail claims in Houston are often closed as wear and tear after one short inspection. A slope-by-slope count of impacts, soft metal dents and a dated storm report can answer that. We review it free and tell you what the evidence shows.
Our pay is contingency based, an agreed percentage of what is recovered, and the written contract comes first. Nothing is due up front, and if nothing is recovered, you owe no fee. The first review costs nothing, so you can learn how it works before you decide.
We represent policyholders on fire and smoke, flood, hail, water and storm claims, on homes and on commercial property. We are licensed Texas public insurance adjusters, so we document the loss, read the policy and deal with the carrier for you. We do not perform repairs or replace your contractor.
Use the free claim review form or call us. Share what happened, which policies you hold and whether you have already filed with a carrier. We will set up a time to look at the property and your paperwork. Keep every letter from your insurance company, because dates and wording matter.