Did they underpay your claim?
The carrier pays, but far less than the damage actually costs to repair. We document the full scope independently and push the settlement to where it should be.
Dallas public adjuster: commercial, hail & fire claims.
Dallas–Fort Worth sits in one of the most active hail corridors in the country. When the carrier underpays, delays, or denies your hail, fire, wind, or water claim, our public adjusters step in. We specialize in commercial and HOA property across the DFW metro and document the full loss independently, before any contractor estimate goes to the insurer.
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No upfront cost. We only get paid when you recover.
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Commercial, HOA & homeowner claims across DFW.
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Licensed by the Texas Department of Insurance.
We only get paid when you do.
Get a Free Claim Review
Tell us about your property and damage. We'll review at no cost.
No upfront cost. We only get paid if you recover. Licensed Texas public adjusters.
$50M+
Recovered for property owners
100+
Combined years of experience
3x
Higher settlements than initial offer
$0
Zero upfront cost
How it works
Unsure about public adjusting? Here's how it works.
Three steps, no upfront cost, and a licensed Texas public adjuster handling the carrier from start to finish.
Step 1
Share your claim details
First you tell us about your property and the damage. We review your policy and the loss at no cost, and identify what the carrier's scope missed.
Start your free claim review →
Step 2
Your JustClaims expert takes over
Next we assign a TDI-licensed public adjuster who knows DFW hail, fire, and water claims. We document the full scope, price the real cost of repair, and negotiate directly with the carrier. You never have to fight the insurer alone.
Start your free claim review →
Step 3
Get paid what you're owed
Last, we drive your claim to resolution. There is no upfront cost. We only get paid if we recover money for you. Simple, fast, win-win.
Start your free claim review →
Property types we cover in Dallas
We handle every type of DFW property damage claim.
From commercial buildings to HOA communities and homes, hail and fire to wind and water, we cover the full range of Dallas insurance claims.
Commercial property claims
Retail strips along 635 and the Tollway, office parks in Las Colinas and Frisco, and hospitality near DFW Airport. As a commercial public adjuster in Dallas, we manage the entire claim, start to finish.
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HOA & multifamily claims
Master-policy vs. unit coverage and per-unit hail damage across DFW communities. We document every building, not just the roof, and coordinate with your board.
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Hail damage claims
Roof, siding, and exterior damage from North Texas's frequent hail cycles. The most common, and most underpaid, commercial claim type in the DFW corridor.
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Commercial fire claims
Structure fire, smoke and soot, equipment loss, and business-interruption components across dense DFW commercial stock.
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Water damage claims
Roof leaks, interior water intrusion, and flat-roof claims the carrier tries to classify as maintenance rather than storm-caused.
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Storm & wind damage
Wind-driven roof and exterior damage, detached structures, and storm losses throughout the DFW metro.
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Reality of Dallas claims
DFW sits in the North Texas hail corridor. It almost always takes a public adjuster to get full value.
Dallas–Fort Worth is hit by hail repeatedly, with a spring peak from April through June and a fall filing peak in October and November. Commercial roofs, retail strips, and HOA communities along the Tollway corridor and the suburban buildout take the brunt of it. The insurance company's adjuster works for the carrier, often using preferred-contractor scopes that come in below full replacement cost.
Texas has no matching statute, so whether the insurer owes full-area replacement depends entirely on your policy's "like kind and quality" loss-settlement language. Many DFW property managers accept a partial payout without knowing their policy may support a broader scope. Independent documentation creates the strongest basis for the full claim.
Fort Worth is an immediate adjacency, and it's underserved. We cover Fort Worth, Arlington, and Plano alongside Dallas, which means faster response and less friction on claims across the metro.
Texas has no matching statute, so whether the insurer owes full-area replacement depends entirely on your policy's "like kind and quality" loss-settlement language. Many DFW property managers accept a partial payout without knowing their policy may support a broader scope. Independent documentation creates the strongest basis for the full claim.
Fort Worth is an immediate adjacency, and it's underserved. We cover Fort Worth, Arlington, and Plano alongside Dallas, which means faster response and less friction on claims across the metro.
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Licensed by the Texas Department of Insurance
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We document the full scope independently, before the contractor estimate goes to the insurer
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We specialize in commercial and HOA property with complex policies
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We work exclusively for policyholders, never for insurance companies
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Full DFW coverage, including underserved Fort Worth
Ways We Can Help
The carrier's playbook on Dallas claims is to pay less than you're owed, drag out the timeline, or deny the claim outright. We have decades of experience and fight all three.
Is your claim stuck or delayed?
Weeks turn into months while the carrier stalls and buries you in requests. We take over the process and hold them to the §542 prompt-payment timelines.
Was your claim denied outright?
A denial is not the end. We reopen the claim, re-document what was missed, and fight to overturn it, with TDI's complaint process as a backstop.
We have expertise on all building types:
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Office Buildings
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Retail & Restaurants
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Industrial & Warehouse
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Hospitality & Lodging
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Healthcare Facilities
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HOA & Multi-Family
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Self-Storage
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REITs & Funds
See what your insurance claim is really worth.
Get a Free Claim ReviewFree review. DFW experts. No upfront cost.
Texas Insurance Law
What Dallas policyholders need to know.
Texas law gives property owners more leverage than most carriers let on. Here's the background that matters for a DFW claim. This is general information, not legal advice.
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Public adjusters are licensed by TDI
Anyone working your Dallas claim as a public adjuster must be licensed by the Texas Department of Insurance. You can verify any adjuster before you sign. JustClaims is a licensed Texas public adjuster representing DFW property owners.
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Matching is a policy question
Texas has no matching statute. Whether the insurer owes full-area replacement depends on your policy's "like kind and quality" language, not state law. We review that language and document the full scope independently.
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Prompt-payment timelines (§542)
Your insurer must acknowledge within 15 calendar days, then accept or reject within 15 business days of receiving all documentation, extendable by 45 days with written notice. We hold them to the clock.
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Fees are capped and contingency-based
Texas law caps public adjuster fees at 10% of the total settlement. JustClaims works on contingency, with no upfront cost and a 72-hour right to cancel after signing. No recovery, no fee.
JustClaims provides public adjusting services, not legal advice. For legal questions, consult a licensed Texas attorney.
For DFW Contractors
We actively partner with Dallas roofing and restoration companies.
Contractors are some of our best partners. We quarterback the insurance side, keep you in the loop, and never cut you out. Under Texas law, contractors can't negotiate the claim, so a licensed public adjuster is the compliant way to get your scope approved and paid.
Roofers
Commercial and residential roofers and storm-restoration crews across the DFW hail corridor.
Restoration
Water mitigation, fire and smoke restoration, and disaster recovery firms.
General Contractors
Commercial builders, multi-family and property renovation firms, and large-loss rebuild specialists.
Blog
From our public adjusters across Dallas–Fort Worth
Dallas & DFW areas we serve
Serving property owners across the entire DFW metro.
Our Dallas team is local. We handle claims across Dallas, Fort Worth, Arlington, Plano, Frisco, McKinney, Irving, Las Colinas, Garland, Mesquite, Grand Prairie, and Richardson, spanning Dallas, Tarrant, Collin, and Denton counties. Fort Worth in particular is underserved, which means faster response and less friction on claims.
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City lead
Meet our Dallas lead public adjuster
Reviewed and Verified by
Stephane Elias
A seasoned insurance professional with nearly a decade of experience, Stephane Elias is currently serving as a Senior Claims Professional and Public Adjuster with JustClaims. Throughout his career, Stephane has represented policyholders through leading public adjusting firms and served as a loss consultant for law firms specializing in insurance litigation, giving him extensive expertise in complex property insurance claims.
A licensed public adjuster in TX (#2645032), FL (#W564547), and six other states, he specializes in commercial and residential property claims, claims management, appraisals, mediation, and strategic partnerships. Stephane is passionate about helping policyholders overcome delayed, denied, and underpaid insurance claims, ensuring they receive the full recovery they’re entitled to under their policy.
Senior Claims Professional at JustClaims
Licensed Public Adjuster in Texas #2645032 and Florida #W564547
Common QuestionsAbout Dallas Public Adjusters
Not automatically. Texas has no matching statute, so whether the insurer owes full-area replacement depends on your policy's specific "like kind and quality" loss-settlement language. A public adjuster reviews that language, documents the full scope of damage independently, and builds the strongest case for the broadest replacement your policy supports.
Texas law caps fees at 10% of the total claim settlement, per TDI. JustClaims works on contingency, no upfront cost, no fee unless we recover or increase your settlement. Under Texas law, you have 72 hours after signing to cancel the contract.
Yes, and it's one of our most common engagements in DFW. We conduct per-unit inspections across every affected building, prepare a consolidated scope of loss, and present it directly to the insurer. We coordinate with your board and property manager throughout, and can attend board meetings to walk through the findings.
Your insurer's adjuster, staff or independent, works to protect the insurer's interests. JustClaims is licensed by TDI to represent only you. We document damage independently, without using preferred contractors or insurer-approved scope templates. The difference shows up in the settlement.
Yes. JustClaims covers the full DFW metro, Fort Worth, Arlington, Plano, Frisco, McKinney, Irving, Garland, and Mesquite. Fort Worth in particular is underserved: no dedicated public adjuster has built a presence there, which means faster response and less friction on claims.
No. A denial is not final. JustClaims can review the basis for the denial, identify grounds for reconsideration, and re-submit with independent documentation. You can also file a complaint with TDI at 800-252-3439 if you believe the denial was improper.
Dallas Office
Call our Dallas team.
13355 Noel Rd, Suite 1146
Dallas, TX 75240
Ready to find out what your Dallas property claim is really worth?
It only takes a few minutes. No upfront cost. We only get paid when you do.
Licensed by the Texas Department of Insurance · Contingency fee, capped at 10% · Serving Dallas, Fort Worth & the DFW metro