Hurricane & tropical storm
From Hurricane Beryl in 2024 to Harvey in 2017, Houston hurricanes bring wind, rain, and weeks of carrier delays. We build the proof-of-loss that gets hurricane claims paid in full.
Houston public adjusters who fight for your full settlement
Hurricane, flood, and freeze damage hit the Gulf Coast harder than almost anywhere in Texas — and insurers underpay accordingly. We document your loss, handle the carrier, and negotiate the settlement your policy actually owes you.
You pay nothing upfront. We only get paid when you do.
-
Licensed Texas public adjusters — TX PA #2645032
-
Hurricane, flood, and burst-pipe claim specialists
-
No recovery, no fee — free claim review
Free, no-obligation review of your Houston claim
Request your free claim review
Tell us what happened. A licensed Houston public adjuster will review your claim and call you back — usually within one business day.
No upfront cost. No obligation. We only get paid if you do.
$50M+
Recovered for policyholders
100+
Years of combined experience
3x
Average increase over initial offers
$0
Upfront cost to you
Storm damage in Houston
The Gulf Coast's three most damaging claim types, handled right.
Houston sits in the path of Atlantic hurricanes, Gulf storm surge, and the hard freezes that burst pipes across the region. Each loss documents differently — and each is underpaid differently. We know all three.
Flood & storm surge
Rising water is the most disputed loss on the Gulf Coast. Whether it's storm surge or a separate flood policy, we document the damage so coverage actually applies.
Freeze & burst pipes
Winter Storm Uri froze pipes in homes across Houston. We trace water damage back to the burst and fight the "gradual damage" denials carriers lean on.
How it works
From damage to dollars in three steps.
You focus on your family or your business. We handle the claim.
Step 1
Free claim review
Tell us what happened. We review your policy, inspect the damage, and tell you honestly whether you have a claim worth fighting — at no cost.
Learn what's covered →
Step 2
We document the full loss
We photograph, inventory, and value every item the way carriers require — including the hidden water and structural damage adjusters often miss after a hurricane or freeze.
See how we document →
Step 3
We negotiate your settlement
We present the claim, handle every carrier call and deadline, and negotiate the maximum your policy allows. You approve the final number before anything is signed.
Get started today →
Claims we handle
Houston's most common property claims.
Water is Houston's most frequent and most disputed claim. We handle the full range of residential and commercial losses across the metro.
Water damage
Burst pipes, appliance leaks, and storm-driven water are Houston's most common claims — and the most underpaid. We document source, spread, and hidden moisture so it all gets covered.
Water damage claim help →
Hurricane & wind
Wind-driven rain, roof damage, and structural loss from Gulf hurricanes. We separate covered wind damage from excluded flood so your claim isn't wrongly denied.
Hurricane claim help →
Commercial property
Business-interruption, inventory, and structural claims for Houston's shops, warehouses, and offices. We keep your claim moving so you can reopen.
Commercial claim help →
Fire & smoke
From kitchen fires to total losses, we document structural damage, smoke remediation, and contents the carrier's first estimate leaves out.
Fire claim help →
HOA & condo
Condo and HOA master-policy claims are layered and confusing. We work through the association and your HO-6 so your unit is fully restored.
HOA claim help →
Freeze & burst pipes
Hard freezes burst supply lines across Houston. We prove the sudden-and-accidental loss and push back on "maintenance" and "seepage" denials.
Freeze claim help →
The Houston reality
After a Houston disaster, the insurance company is not on your side.
After Hurricane Beryl, Harvey, and Winter Storm Uri, carriers flooded Houston with out-of-state adjusters handling hundreds of claims at once. The result: rushed inspections, lowball estimates, and legitimate damage written off as "wear and tear."
A public adjuster works for you — not the carrier. We level the field.
A public adjuster works for you — not the carrier. We level the field.
-
Carrier adjuster handles hundreds of claims after a storm
-
First offers routinely miss hidden water and structural damage
-
Deadlines and paperwork errors quietly kill valid claims
-
Flood vs. wind disputes delay or deny hurricane payouts
-
A licensed public adjuster documents what the carrier missed
When you need help
Signs your Houston claim is being underpaid.
Most policyholders don't realize their settlement is low until it's too late. These are the red flags we see on Houston claims every week.
Your settlement came back low
The carrier's estimate doesn't cover the real cost to repair. We re-scope the damage and file a supplemental claim for the difference.
Fight a low settlement →Your claim was denied or delayed
Denials citing "flood," "wear and tear," or missed deadlines can often be overturned with the right documentation. We review the denial and build the rebuttal.
Challenge a denial →You're owed a supplemental claim
Damage found after the first settlement — hidden water, mold, structural movement — is still claimable. We file and negotiate the supplement.
File a supplement →Claim types we take on
-
Hurricane & tropical storm
-
Flood & storm surge
-
Burst pipes & freeze
-
Water damage & mold
-
Fire & smoke
-
Wind & roof damage
-
Commercial & business interruption
-
Denied & underpaid claims
Not sure if your settlement is fair?
Get a Free Claim ReviewFree review. No upfront cost, and we only get paid if your settlement increases.
Your Texas rights
Texas law protects Houston policyholders.
Texas gives policyholders real leverage — if you know the rules. Here's what the law says about your claim, and what it means after a hurricane, flood, or freeze.
01
Licensed by the state
Public adjusters in Texas are licensed and regulated by the Texas Department of Insurance. Always verify a license before you sign. JustClaims' Texas public adjuster license is #2645032.
02
Prompt-payment deadlines
Under Texas Insurance Code §542, your insurer must acknowledge a claim within 15 calendar days, accept or reject it within 15 business days of receiving your documents, and may extend only 45 days with written notice. Miss these deadlines and the carrier owes interest.
03
Fee cap and right to cancel
Texas caps public-adjuster fees at 10% of your settlement, and you have 72 hours to cancel a public-adjuster contract, no questions asked. You should never feel locked in or overcharged.
04
No automatic "matching"
Texas has no matching statute — whether undamaged materials must be replaced to match is a policy-language question, not a legal right. We read your policy and argue matching where the language supports it.
05
TWIA and coastal wind coverage
If you're in the coastal catastrophe area — including parts of east Harris County — standard homeowners policies often exclude wind and hail, and coverage comes through the Texas Windstorm Insurance Association. TWIA does not cover flood; that needs a separate NFIP or private flood policy. Some post-1987 structures also need a WPI-8 certificate for TWIA eligibility.
This page is general information for Texas policyholders, not legal advice. Coverage depends on your specific policy — we will review yours for free.
Before you rebuild
Get the settlement right before the contractor starts.
Contractors repair damage; public adjusters make sure the insurance pays for it. We work alongside your contractor — not for the carrier.
We document before repairs
Once demolition and repairs begin, the evidence disappears. We photograph and scope the full loss first so nothing is left out of the claim.
We speak the carrier's language
Contractors estimate construction cost; we translate it into the line-item proof-of-loss format insurers require to pay in full.
We handle the supplements
When your contractor finds more damage mid-job, we file the supplement and keep the carrier paying — so the project doesn't stall over money.
From the blog
Claim help for Houston property owners.
Where we work
Serving Houston and the Gulf Coast.
Our Texas office is based in Dallas, but our adjusters work claims across the greater Houston metro and the Gulf Coast. If your property is in the region, we can help.
Houston
Harris County
Pasadena
Harris County
Sugar Land
Fort Bend County
The Woodlands
Montgomery County
Katy
Harris & Fort Bend Counties
Pearland
Brazoria County
League City
Galveston County
Galveston
Galveston County
Baytown
Harris & Chambers Counties
Conroe
Montgomery County
Spring
Harris County
Cypress
Harris County
Missouri City
Fort Bend County
Texas City
Galveston County
Your adjuster
A licensed Texas adjuster on your side.
Reviewed and Verified by
Stephane Elias
Licensed Public Adjuster — Texas & Florida
Stephane Elias is a licensed public adjuster who has spent nearly a decade fighting for policyholders across the Gulf Coast and beyond. He leads JustClaims' hurricane, flood, and freeze claims for Houston property owners.
Licensed in Texas (TX PA #2645032) and Florida (FL PA #W564547), with licenses in six additional states, Stephane has handled hundreds of claims from coastal hurricanes to hard-freeze pipe bursts. He works only for policyholders — never for the insurance company.
TX Public Adjuster #2645032
FL Public Adjuster #W564547
Licensed in 6 additional states
Nearly a decade of claims experience
Houston claim FAQs
Houston insurance claim questions, answered.
Wind damage from a hurricane is generally covered by your homeowners or commercial policy — but flood and storm surge are not. In the coastal area, wind coverage may come through TWIA while flood requires a separate NFIP or private policy. We review your policies and build the claim so the right coverage pays for each part of the damage.
Usually yes — a sudden burst pipe and the water damage it causes are typically covered. Carriers often deny these claims by calling the damage "gradual" or a maintenance issue. We document the sudden break and the full extent of water damage to overcome that denial.
A supplemental claim asks your insurer to pay for damage discovered after the first settlement — hidden water, mold, or structural movement that only shows up once repairs begin. You don't have to accept the first offer as final. We document the new damage and negotiate the additional payment you're owed.
Stay safe, prevent further damage if you can, and photograph everything before moving or repairing it. Don't throw away damaged items until they're documented. Then get a licensed public adjuster to review the loss before you accept any settlement — the first offer is rarely the full amount.
Nothing upfront. Public adjusters work on contingency — a small percentage of the settlement we recover for you, capped by Texas law at 10%. If we don't increase your settlement, you don't pay. The free claim review costs you nothing either way.
Often not. Many Houston claims can be supplemented or reopened with better documentation, and Texas prompt-payment deadlines give you real leverage. A licensed public adjuster can review the denial or low offer and tell you honestly whether it is worth fighting — at no cost.
Our office
Texas-based, working claims across Houston.
JustClaims
13355 Noel Rd, Suite 1146
Dallas, TX 75240
Get the settlement your Houston property deserves.
Free claim review. No upfront cost. We only get paid when you do.
Licensed Texas public adjusters · TX PA #2645032 · Serving Houston and the Gulf Coast