Public Insurance Adjuster Services in Houston, TX
Seven catastrophe specialties, one method: read the policy properly, document the whole loss, price it independently, and give your carrier something specific to answer in writing.
- Emergency claim intake
- 24/7Emergency claim intake
- Out of pocket until you're paid
- $0Out of pocket until you're paid
- Texas cities served
- 9Texas cities served
- Catastrophe claim specialties
- 7Catastrophe claim specialties
Comprehensive support for all catastrophes
Claim types we specialise in
Each of these pages sets out exactly what we document, why carriers under-scope it, and the questions policyholders ask most.
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 detailsHow 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.
Service areas
Where we work
Based in Alvin, serving the Houston metro, the Galveston County coast and Texas beyond.
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!”
“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.
What kinds of property damage claims do you handle?
Fire and smoke, flood, hail, water and pipe losses, storm and hurricane wind, earthquake, and coastal storm surge — for both residential and commercial property. On commercial claims we also document business income and extra expense.
Do you handle commercial insurance claims as well as residential?
Yes. Commercial claims add business income and extra expense to the property loss, and that income portion needs documenting from the start of the claim rather than at the end. We handle warehouses, retail, offices, multi-family and light industrial property.
Can you take over a claim that is already in progress?
Yes, and most of our files arrive that way — after a carrier estimate has landed and the number does not match what repairs cost. We can also review closed and denied claims, subject to the deadlines in your policy and under Texas law.
What if more than one policy applies to my loss?
That is common on the Gulf Coast, where a single storm can trigger homeowner, windstorm and flood policies at once. Each carrier has an incentive to attribute the damage to another peril, so we document causation across all of them from a single site visit and file each claim on its own terms.
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