Texas Public Adjuster: Maximize Your Property Insurance Claim Statewide
Commercial, HOA & storm claims across Dallas, Houston, Austin & San Antonio.
From the Gulf Coast to North Texas, we help property owners recover the full payout they're owed after hail, hurricane, wind, water, or fire damage. When the carrier underpays, delays, or denies, we step in. No upfront cost. We only get paid when you do.
We specialize in commercial and HOA claims — the claims carriers most often underpay.
We serve all of Texas.
Choose your market for details. Our Texas team handles commercial, HOA, and storm claims across the four major metros and the communities around them.
Why Texas properties need a public adjuster.
Texas sees frequent catastrophic storm losses, and insurers lean on preferred-contractor scopes that come in below full replacement cost, especially on commercial and HOA property. A public adjuster is licensed by the Texas Department of Insurance to represent only the policyholder, never the carrier.
Your Public Adjuster
Works only for you. We step in when the carrier underpays, delays, or denies. We review the policy, document the full loss independently, file or reopen the claim, and negotiate for the maximum recovery your policy supports.
The Insurer's Adjuster
Works for the insurance company. They assess your loss in the carrier's interest, often using preferred-contractor scopes. On commercial and HOA property in particular, that first number is rarely the full number.
JustClaims serves all of Texas.
Our Texas team is led by a TDI-licensed public adjuster based in Houston, handling commercial, HOA, and storm claims across the Gulf Coast, Central Texas, and the DFW metro.
Types of claims we handle in Texas.
Our primary focus is commercial and HOA property, where carriers underpay most. We pair every property type to the damage and the dispute we see again and again.
Retail Strips & Offices
Roof damage written off as cosmetic; partial-replacement scopes.
Warehouses & Industrial
Flat-roof claims classed as maintenance rather than storm-caused.
Medical & Dental Clinics
Specialized equipment and code-upgrade costs left out of the estimate.
Shopping Malls & Hospitality
Large-roof scope cuts; depreciation and overhead-and-profit games.
Self-Storage Facilities
Wind vs. flood causation; contents and business-interruption limits.
HOA & Multi-Family
Master-policy vs. unit coverage gaps; per-unit damage undercounted.
Not sure if your damage qualifies?
Get a Free Claim ReviewUnderpaid, delayed, or denied?
Texas carriers reach for the same three moves across every market. We fight all three.
Did they underpay you?
Lowball estimates, missed damage, and preferred-contractor scopes. We rebuild the number from the actual loss and document the full scope independently.
Is your claim stuck?
Silence, re-inspections, endless requests. We keep the file moving and hold the carrier to the TX Insurance Code §542 prompt-payment timelines.
Were you denied?
A denial isn't the end. We review the policy, document what's covered, and re-submit with independent evidence. You can also file a complaint with TDI.
How Texas owners work with JustClaims.
Free claim review
We assess your policy and your damage at no cost and tell you straight whether you need a public adjuster.
Independent Documentation
A TDI-licensed adjuster inspects and documents every covered loss, with AI-assisted tools, before any contractor estimate goes to the carrier.
Filing & negotiation
We file or reopen your claim and negotiate directly with the carrier on your behalf, holding them to the §542 clock.
You recover
Once the claim settles, our fee comes out of the recovery. No recovery, no fee.
Contact us before your insurer's adjuster closes the file.
Get a Free Claim ReviewWhat Texas policyholders need to know.
→ Prompt-payment timelines (TX Insurance Code §542)
Your insurer must acknowledge your claim within 15 calendar days. After receiving all required documentation, they have 15 business days to accept or reject, extendable by up to 45 days only with written notice before the deadline. Verify the rules at tdi.texas.gov.
→ Supplemental claims
Texas generally allows re-opening a claim when additional damage is discovered. Eligibility depends on your policy's specific terms and the time elapsed since the original claim, so the window has to be confirmed claim by claim.
→ Matching is a policy question, not a state law
Texas has no matching statute. Whether the insurer must replace beyond the damaged area comes from your policy's "like kind and quality" loss-settlement language. A public adjuster reviews that language to determine what you're owed.
→ What a public adjuster cannot do
Per TDI, a public adjuster cannot practice law, give legal advice, or act as your contractor. We document and negotiate your claim. We don't do the repairs, and contractors can't negotiate your claim for you.
Fees are capped at 10% of the settlement under Texas law.
Get a Free Claim ReviewThis is general information, not legal advice. Statutes and fee rules change. Confirm the specifics for your situation.
Coverage questions?
Read our guides: What is a Public Adjuster? · Underpaid Insurance Claim? 5 Steps to Get Paid in 2026 · What Does an Insurance Adjuster Do?
JustClaims vs. your insurer's adjuster.
Factual comparison of roles. Only a licensed public adjuster or attorney can negotiate your claim in Texas.
Four major markets, one Texas team.
Dallas
Hail, commercial fire, and DFW metro claims. North Texas hail corridor, Fort Worth and the suburbs included.
Houston
Hurricane, flood, and self-storage claims. Gulf Coast specialists, with our lead adjuster based in Houston.
San Antonio
Hail, wind, and HOA claims across Bexar County, with per-unit documentation for large communities.
Coming Soon
Austin
Water intrusion, storm, and commercial claims across Central Texas, including the roofer-estimate problem.
Coming Soon
Meet our Texas lead public adjuster
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.
Frequently Asked Questions
No. Under Texas law, contractors, including roofing and restoration contractors, cannot negotiate your claim with your insurance company. Only a licensed public adjuster or attorney can represent you. If a contractor has offered to "handle" your claim, contact TDI at 800-252-3439.
Yes. Scope cuts are exactly what we fight. We document the full extent of the damage, justify the line items the carrier removed, and negotiate to get the scope and pricing restored, so the approved scope matches what the job actually requires.
You send us the owner and the claim details, we take the insurance side, and you stay focused on the work. We keep you in the loop at every step and make sure the approved scope matches the job. Fee-sharing between a public adjuster and a contractor is restricted by law, so we keep it clean and compliant.
Yes. JustClaims works directly with HOA boards and property managers to review the offer, document the full scope of damage across every affected unit, and present an independent claim to the insurer. We handle the entire process, board meetings, insurer negotiations, and scope documentation, at no upfront cost
Our primary focus is commercial and HOA property, retail strips, self-storage, medical and dental offices, multi-building HOA complexes, warehouses, and hospitality. We handle hail, hurricane, wind, flood, fire, and water intrusion claims across all four major Texas markets.
Yes. We can step in at any stage: before filing, while the claim is open, or after a settlement you believe was inadequate. If additional damage has been identified since the original settlement, your policy may allow a supplemental submission, subject to its specific terms.
A public adjuster is licensed by the Texas Department of Insurance to represent only the policyholder, never the insurance company. We review your policy, inspect and document all damage independently, prepare the claim, and negotiate the settlement on your behalf. Your insurer has its own adjuster working in its interest. We work for you.
Texas law caps public adjuster fees at 10% of the total claim settlement, per the Texas Department of Insurance. JustClaims works on contingency, no upfront cost, and no fee if there is no recovery. You have 72 hours to cancel a public adjuster contract after signing under Texas law.
Not automatically. Texas has no matching statute. Whether the insurer owes full-area replacement depends on your policy's "like kind and quality" loss-settlement language. A public adjuster reviews that language and documents the full scope to build the strongest case for the broadest replacement your policy supports.
No. A denial is not final. We 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.
Under TX Insurance Code §542, your insurer must acknowledge the claim within 15 calendar days, and accept or reject within 15 business days of receiving all required documentation. That window can be extended by up to 45 days with written notice. A complete, well-documented claim from the start is the best way to avoid delays.
Still have questions? We're happy to help.
Get a Free Claim ReviewFind out what your Texas 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% · Dallas · Houston · Austin · San Antonio