The payment seems too low.
We inspect the damage, identify missing repair items and document the amount your claim supports.
Texas public insurance adjusting
Commercial property damage? Put a public adjuster on your side.
We represent commercial property owners, warehouse operators and homeowners across Texas. Get us involved from day one. We inspect the damage, document the facts and negotiate your insurance claim. If you were paid fairly, we will tell you at no cost.
McAllen · Edinburg · Mission · Rio Grande Valley
Under Paid Claim LLCClaim file / overview
A clearer picture
of your property claim.
01
The policy
Coverage. Conditions. Limits.
02
The damage
Inspection. Photographs. Records.
03
The estimate
Repair items. Measurements. Scope.
Evidence before assumptions
Illustration of how claim records can be organized.
Not a customer claim or result.
Get a public adjuster involved from day one.
Start your claim with an experienced professional on your side. We document the damage, prepare the estimate and deal directly with the insurance company. You do not have to wait for a denial or a low payment to get help.
Report the loss promptly and continue necessary emergency protection. We help organize the claim while you protect your property.
Your insurance company has claim professionals. Put a licensed public adjuster on your side.
Texas licenses public adjusters to represent insured property owners in the claim process. Our work gives you professional damage documentation, estimating and insurer negotiation.
Why hire a public adjuster? · Texas claim rights and Texas Department of Insurance guidance · Help after a Texas storm
Was your property claim paid fairly?
Your initial inspection and claim review are free. If the insurance company paid you fairly, we will tell you. If you are owed more, we will identify the damage and explain the amount.
We build the claim with photographs, measurements and an itemized estimate. Then we negotiate with the insurance company for the covered damage. You have a professional responsible for presenting the facts.
Explore property claim questions or learn how our inspection and documentation work.
How we check your payment
Actual damage. Accurate measurements. Industry-standard estimating.
We prepare detailed repair estimates using Xactimate, an industry-standard platform for estimating property insurance repairs. Its researched regional pricing gives us an established foundation for calculating repair costs.
We identify the actual damage, check the necessary repair components and enter the correct materials and measurements. Then we compare our findings with the insurer’s estimate and payment.
What makes an estimate complete?
The software needs the right information. Missing repair items, incorrect quantities or a different material grade can change an estimate even when both parties use Xactimate.
Commercial claim experience in Laredo
We have helped more than 2,000 clients in Laredo, including many commercial property owners.
We represent the policyholder.Commercial & residential property claimsFirm license #1986412
Start with your concern
What’s happening
with your claim?
Low payment, denied claim or no clear answer? Put our claim experience to work.
The insurer declined the claim.
We examine the denial, investigate the damage and present the evidence that needs an answer.
You’re still waiting.
We track the insurer’s requests, supply the claim documentation and follow up on outstanding answers.
Find help for the damage
What happened to your property?
Start with the affected area, then compare the documented damage with the insurer’s estimate and payment.
Roof, hail or wind damage
Missing roof items, repair-versus-replacement concerns or interior damage after a storm?
Water damage
A leak, burst pipe, damaged ceiling or repair work missing from the estimate?
Fire or smoke damage
Questions about affected rooms, cleaning records or the proposed repair scope?
Not sure where to start? Understand your insurance payment or read common claim questions.
The work behind the claim
The details matter.
So does the explanation.
A repair estimate and an insurance payment can differ for several reasons. Some concern the work included. Others involve pricing, deductibles, depreciation or the policy itself.
We put the photographs, measurements and repair estimate together. Then we explain the damage to the insurance company and negotiate for the payment you are owed.
- 01
The policy
What coverage, conditions and limits apply to the reported loss?
- 02
The damage
What do the property inspection, photographs and other records show?
- 03
The estimate
Do the repair items and quantities reflect the documented damage being claimed?
Two kinds of property. One clear role.
Commercial property first. Homeowners welcome.
For commercial property owners
Protect your building. Keep your business moving.
Your warehouse, commercial building and operations deserve a thoroughly documented claim. We handle the inspection, estimate and insurance negotiation.
For homeowners
Your home. Your claim.
Your next decision.
Get experienced help documenting damage to your home and negotiating your insurance claim.
Know who represents you
Your property claim.
Our public adjusting work.
We work for you. We inspect the property, identify the damage and prepare the estimate. Then we deal directly with the insurance company and explain the evidence behind your claim.
Start with a free inspection and claim review. We will tell you whether the payment is fair. When you hire us, we document any underpayment and negotiate for the additional money your claim supports.
Texas public insurance adjuster firm license #1986412 · Cord Largo #1862708.
Meet Cord Largo and Martha Guerra · Official source: Check current licensing through Texas Department of Insurance
See our inspection and documentation process · Understand public adjuster and attorney roles
Your contractor repairs the damage. Your public adjuster represents your claim.
A contractor can inspect damage, prepare a repair estimate and discuss technical repair details with the insurance company. Representing you in claim negotiations is a separate responsibility.
When you retain Under Paid Claim LLC, we document the damage, prepare the estimate and negotiate supported claim amounts on your behalf. We do not perform the repairs on claims we adjust.
Understand who represents your claim
Texas law and Texas Department of Insurance guidance
Texas Insurance Code §4102.163 restricts contractors from acting as public adjusters on property where they provide or may provide contracting services. Texas Department of Insurance also explains that contractors may provide estimates and discuss technical information.
Read §4102.163 · Official source: Read Texas Department of Insurance’s contractor guidance · View all cited Texas Department of Insurance bulletins and legal sources
These links are official sources for the explanation, not an endorsement of Under Paid Claim LLC.
A practical local focus
Here for the
Rio Grande Valley.
Tell us where the property is and what happened. We serve the entire Rio Grande Valley, Laredo and all of Texas, in English and Spanish.
McAllenEdinburgMissionRio Grande Valley
From concern to next step
Start with the facts.
Know what comes next.
01
Tell us where the claim stands.
Share the property location, claim status and your main concern. You do not need every document ready.
02
Understand the offer before hiring us.
We explain the work, answer your questions and put the agreement in writing before we represent you.
03
Build and present the claim.
We inspect the damage, prepare the estimate and deal directly with the insurance company on your behalf.
Our financial interests are aligned with yours.
We only get paid when we get you additional money. So we will tell you the truth. If the insurance company paid you fairly, we will tell you at no cost. If you are owed more, we will show you why and pursue it.
If our review identifies an underpayment, we’ll show you the amount our inspection, documentation and estimate support—and explain why. Our financial incentive is to pursue every dollar supported by your damage and policy. We do not deliberately undervalue your damage or promise an inflated recovery to win your business.
A few useful answers
Questions before you contact us.
What is a public insurance adjuster?
A licensed public adjuster works for you, the insured property owner. We inspect the damage, prepare your estimate and negotiate the claim with your insurance company.
Can I contact you after the insurer has already paid?
Yes. Tell us what was paid and why you believe the claim needs another look. Whether further work is appropriate depends on the policy, records, deadlines and claim circumstances.
Does a low check always mean the claim was underpaid?
No. Deductibles, depreciation, limits and coverage terms can affect payment. The estimate and policy need to be reviewed before drawing that conclusion.
Can you guarantee more money or a faster decision?
No. Results and timing depend on the facts, coverage and claim process. We can explain the work proposed for your situation.
Do you repair the property or provide legal representation?
Our firm provides public adjusting and coordinates appropriate experts. Repair work, legal representation and engineering services are performed by separately qualified providers.
What should I have ready?
Bring your policy, insurer estimate, decision letter, photographs and repair estimates if you have them. Do not wait to contact us because a document is missing. We will explain what is needed.
Our fee
10% of new money.
No fee on prior payments.
Our only charge is 10% of new money paid on your claim, due when that money is received. There are no additional expenses or charges. If no new money is received, no payment is required. We explain the terms in a written agreement before representation begins.
Your next step
Tell us what’s happening with your claim.
Start with the property location and your main concern.