San Antonio sits in the heart of Texas hail alley, and Flash Flood Alley runs right through the city. When the carrier underpays, delays, or denies your hail, wind, or water claim, our public adjusters step in. We handle commercial, HOA, and homeowner property claims across the San Antonio metro and document the full loss independently — before any contractor estimate goes to the insurer.
No upfront cost. We only get paid when you recover.
Commercial, HOA & homeowner claims across greater San Antonio.
Licensed by the Texas Department of Insurance.
We only get paid when you do.
Tell us about your property and the damage. A licensed Texas public adjuster reviews it at no cost.
No upfront cost. We only get paid if you recover. Licensed Texas public adjusters.
No upfront cost, no carrier runaround — a licensed Texas public insurance adjuster handles everything in three steps.
Share your property details and the damage. We review your policy and the loss at no cost, and tell you honestly whether a public adjuster adds value.
Book your free claim review →
A TDI-licensed public adjuster who knows San Antonio hail, wind, and water claims inspects, photographs, and scopes every line item — then prices the real cost of repair.
Book your free claim review →
We present the claim, handle every carrier call and deadline, and push for the full amount your policy owes. No recovery, no fee.
Book your free claim review →Storm damage in San Antonio comes in three forms — hail-alley hail, straight-line wind, and Flash Flood Alley water. These are the losses we see most across the metro, and the ones carriers most often underpay.
Spring hail hammers San Antonio roofs, siding, and gutters every year — Bexar County sits squarely in Texas hail alley. Carriers love to call functional hail damage "cosmetic." We document impact patterns, storm dates, and bruised shingles to prove the covered loss.
Straight-line winds and severe thunderstorms peel roofing, snap fences, and breach the building envelope — then the rain gets in. We scope the full wind loss, including the water intrusion that follows, not just the obvious roof damage.
San Antonio is Flash Flood Alley — intense Hill Country rain sends water into homes and businesses in minutes. Standard policies exclude rising water, but wind-driven rain and sudden discharge are covered. We separate the covered water loss from the excluded flood and fight for every covered dollar.
Licensed by the Texas Department of Insurance
We document the full scope independently — before the insurer's preferred-contractor estimate
Commercial, HOA, and homeowner claims across Bexar County
We work exclusively for policyholders — never for insurance companies
Full San Antonio metro coverage, from Boerne to Schertz
From Stone Oak homes to downtown commercial towers and HOA communities across Bexar County — hail, wind, water, and fire — we cover the full range of San Antonio insurance claims.
Roof, siding, and gutter damage from San Antonio's spring hail cycles — the most common, and most underpaid, claim type in Bexar County.
Hail claim help →
Flash flooding, burst pipes, and roof leaks. We separate covered sudden water losses from excluded flood and document the hidden moisture carriers skip.
Water damage claim help →
Straight-line winds tear roofing, siding, and signage across the metro — and let the rain in behind them. We scope the whole envelope.
Wind damage claim help →
Offices, retail, warehouses, and industrial parks across San Antonio — structure, contents, and business-interruption components, managed start to finish.
Commercial claim help →
Master-policy vs. unit coverage and per-building hail damage across San Antonio communities. We document every building, not just the clubhouse.
HOA claim help →
Structure fire, smoke and soot, and contents loss across San Antonio homes and commercial stock — scoped for full repair, not carrier minimums.
Fire claim help →The carrier's playbook on San Antonio claims is simple: pay less than you're owed, drag past the deadlines, or deny and hope you go away. We have decades of experience and fight all three.
The check arrived, but it won't cover the repairs. We re-scope the loss independently — line by line — and negotiate the settlement up to what the policy actually owes.
Get help with this →Weeks turn into months while the carrier requests one more document, one more photo, one more inspection. Texas §542 sets hard deadlines — we hold them to every one.
Get help with this →A denial letter is not the final word. We reopen the claim, re-document what the first inspection missed, and fight to overturn it — with TDI's complaint process as a backstop.
Get help with this →
Office Buildings
Retail & Restaurants
Industrial & Warehouse
Hospitality & Lodging
Healthcare Facilities
HOA & Multi-Family
Self-Storage
REITs & Funds
Free review. San Antonio experts. No upfront cost.
Texas gives property owners real leverage — if you know the rules. Four things matter most on a San Antonio claim. This is general information, not legal advice.
Anyone who negotiates your San Antonio claim for a fee must be licensed by the Texas Department of Insurance. Verify before you sign — JustClaims' Texas public adjuster license is #2645032.
Texas Insurance Code §542 puts the carrier on a clock: acknowledge your claim within 15 calendar days, then accept or reject it within 15 business days of receiving your documentation — extendable by 45 days only with written notice. Miss the clock and the carrier can owe interest.
Texas caps public-adjuster fees at 10% of the settlement, and you can cancel a public-adjuster contract within 72 hours of signing, no questions asked. JustClaims works on contingency — no recovery, no fee.
Texas has no matching statute. Whether the insurer must replace undamaged materials to match depends on your policy's "like kind and quality" language — not state law. We read that language and document the full scope it supports.
JustClaims provides public adjusting services, not legal advice. For legal questions, consult a licensed Texas attorney.
Our adjusters handle claims across San Antonio, New Braunfels, San Marcos, Boerne, Schertz, Cibolo, Converse, Universal City, Live Oak, Selma, Helotes, Alamo Heights, and Castle Hills — spanning Bexar, Comal, and Guadalupe counties.
We handle the insurance side so you can focus on the build. You keep the customer relationship; we keep the carrier honest. And since Texas law doesn't let contractors negotiate the claim, a licensed public adjuster is the compliant route to getting your full scope approved and paid.
Commercial and residential roofers and storm-response crews across the San Antonio hail corridor.
Water mitigation, fire and smoke restoration, and disaster recovery firms.
Commercial builders, multi-family renovation firms, and large-loss rebuild specialists.
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.
A percentage deductible is calculated against your dwelling coverage limit, not the repair bill. On a San Antonio home insured for $400,000, a 2% wind/hail deductible means you pay the first $8,000 of a hail loss out of pocket. That math makes claim scope critical: if the carrier's estimate is $15,000 but the real damage is $30,000, the deductible effectively doubles against you. We make sure the full loss is documented so the deductible applies to the right number — and so damage the carrier missed doesn't come out of your pocket instead.
Generally two separate claims — each storm is its own occurrence with its own deductible. That cuts both ways: you may owe two deductibles, but you're also entitled to full payment for each storm's damage. The fight is usually about attribution. Carriers sometimes lump everything into the older storm to apply one deductible and a worn-roof narrative, or write off newer damage as "prior damage." We date each storm against weather records and document which damage belongs to which event, so neither claim is shorted.
Usually not — and it's the most painful surprise in Flash Flood Alley. Standard homeowners and commercial policies exclude rising surface water; that needs separate NFIP or private flood coverage. But not every water loss during a storm is "flood": rain driven in through a wind-damaged roof or opening is typically covered, and so is sudden discharge from plumbing or appliances. The battle is over where the water came from. We document entry points, water lines, and weather data to separate the covered water damage from the excluded flood — and we review your policies to tell you honestly what applies.
Because your lender has a financial interest in the property, most Texas policies require claim checks to include the mortgage company. The lender typically endorses the funds into an escrow account and releases them in stages as repairs are completed and inspected. The process is paperwork-heavy and slow if you don't follow their exact requirements — and some owners leave final draws unclaimed. We help you package the documentation, supplements, and completion proof the lender needs so the money actually moves.
No — they're two different policies entirely. Your car is covered under your auto policy's comprehensive coverage; your roof is under your homeowners or commercial property policy. Each has its own deductible and its own claim. File both — hail is exactly what comprehensive auto coverage is for. On the property side, we handle the building claim so the auto claim doesn't distract from fully paying the roof.
Same storm doesn't mean same outcome. Different carriers, different policies, different adjusters — and often, different documentation. Denials usually hinge on how the damage was presented: one owner had dated photos and a full scope, the other got a five-minute inspection and a "wear and tear" letter. A denial is not the end. We re-inspect, document the impact pattern and storm date properly, and challenge the denial with the evidence the first inspection missed. Neighbor comparisons aren't proof — but they're a good reason to get a second opinion.
It takes a few minutes to find out. No upfront cost — we only get paid when you do.
Licensed by the Texas Department of Insurance · Contingency fee, capped at 10% · Serving San Antonio & South Central Texas
