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FAQs

I'm confused. My insurance company is sending out a claims adjuster so why would I retain one of my own? There's a common misperception about the roles of insurance claims adjusters and public insurance adjusters. As you know, the insurance company sends an adjuster to take a look at the damage and estimate your losses. However, this adjuster is NOT responsible for discovering, documenting, and proving your losses. These responsibilities are the policyholder's. By getting Houston claim help from a public adjuster (an insurance adjuster who serves the general public), you have a professional on your side helping you find, document, and prove all of your losses. Thus, retaining a public adjuster enables you to maximize your insurance settlement and ensure that nothing is left uncovered.

At which point in the claims process should I get external help?

We can help you at any point in the process from the initial filing of the claim to disputing a denied claim – and everything in between.

How will I know that you can help with my Houston claim?

We offer a free consultation where we will review your claim and let you know if we can help or not.

How can you "maximize" my final insurance payment? Isn't that fraudulent?

We can often increase the final insurance payment for our clients, but we do it honestly. Our service isn't about inflating claims or making up losses that didn't occur – absolutely not! It's about scouring your property with a fine tooth comb in search of ALL losses and ALL damages. From there, we thoroughly document our findings to serve as evidence of the losses you have suffered. We then estimate what it will cost to replace, repair, and rebuild according to the terms of your policy using state-of-the-art estimating software and industry-accepted values. We also factor in Houston's construction and permitting costs to ensure that the real cost of rebuilding is reflected in our estimates.

I've been with the same insurance agent for over 30 years now. Won't he make sure that my settlement is sufficient?

Of course your insurance agent will want your claim to go smoothly, but agents are not generally involved in adjusting losses. When you have a loss, your agent will refer you to the claims department and may periodically check in with you to see how things are going. However, your agent isn't likely to show up at your property with photographic equipment and loss estimating tools.