Licensed public insurance adjusting
Public Adjusters in Texas
D1 Claims is based in Tomball and licensed by the Texas Department of Insurance (License 2647619). We work Gulf Coast windstorm and hurricane files, Hill Country and North Texas hail, and the freeze-related pipe losses that follow a hard Texas winter.
Denied, underpaid, or stalled Texas claims
A Texas denial letter usually points at specific policy language — wear and tear, cosmetic damage exclusions, deductible thresholds, or a dispute about whether the damage is storm-related at all. The letter tells you what the carrier concluded; it does not always tell you what the evidence supports.
When a claim comes in lower than the visible damage, the gap is often in the scope: missing line items, omitted code upgrades, an outdated price list, or an inspection that stopped at the elevation the adjuster could see from the ladder. We rebuild the scope from the property itself and present it with documentation.
Texas policyholders also work under statutory claim-handling deadlines and prompt-payment provisions. We track the correspondence, keep the file moving, and tell you plainly what the policy and the evidence appear to support — including when the answer is not the one you were hoping for.
Texas storm damage claims
Texas produces more billion-dollar severe weather events than any other state, and the loss types stack on top of each other: a single hurricane file can involve wind-driven rain, roof uplift, interior water, and mold questions all at once.
Documentation is what separates a claim that moves from one that sits. We inspect, measure, photograph, and write the scope before the repairs erase the evidence.
- Hurricane and named-storm wind damage along the Gulf Coast, including wind-versus-flood causation documentation
- Hail damage to composition and metal roofing, soft metals, HVAC fins, and slope-by-slope test squares
- Freeze and burst-pipe losses, including hidden water intrusion in slab and attic runs
- Fire and smoke damage, including contents inventories and odor and soot remediation scope
- Commercial property losses for retail, multifamily, and light industrial buildings
How the Texas claims process works with a public adjuster
- Step 1
Contract and notice
You sign the Texas Department of Insurance FIN 535 public insurance adjuster contract. You may void it within 72 hours. We then notify your carrier that D1 Claims represents you.
- Step 2
Inspection and policy review
We inspect the property, document conditions, and read your declarations page, endorsements, and exclusions so the claim is presented against the coverage you actually purchased.
- Step 3
Scope and presentation
We prepare a line-item estimate and submit it with photo and measurement documentation, then coordinate any carrier re-inspection.
- Step 4
Negotiation and resolution
We respond to the carrier's position in writing, pursue supplements where the evidence supports them, and keep you updated in plain English until the file closes.
Texas public adjuster FAQ
What is a public insurance adjuster in Texas?
A public insurance adjuster is licensed by the Texas Department of Insurance to represent the policyholder — not the insurance company — in preparing, presenting, and adjusting a property insurance claim. D1 Claims holds TDI License 2647619.
How much does a Texas public adjuster charge?
Texas law caps a public insurance adjuster's commission at ten percent of the insurance settlement on the claim. The method of calculating the commission is stated on the FIN 535 contract before you sign it.
Can I cancel the public adjuster contract?
Yes. Under Texas law you may void the public insurance adjuster contract without penalty or obligation within 72 hours after signing it, by written notice to the adjuster at the address on the contract.
Should I hire a public adjuster if my claim was already denied?
A denial can be reviewed. We read the denial language against your policy and the physical evidence and tell you whether there appears to be a documented basis to ask the carrier to reconsider. We cannot promise a particular outcome.
Do you handle commercial property claims in Texas?
Yes. We handle residential and commercial property claims, including retail, multifamily, and light industrial buildings.
What documents should I gather before we talk?
Your declarations page, the full policy if you have it, any carrier correspondence or denial letter, and photos of the damage. You can send them through our secure document upload page.
Ready to have your Texas claim reviewed?
Complete the public insurance adjuster contract intake and we will be in touch.