The payment seems too low.
Look at what the estimate includes, what may be missing and how the policy affects the amount.
Texas public insurance adjusting
Insurance payment doesn’t match the damage?
Under Paid Claim LLC serves homeowners and commercial property owners in McAllen, Edinburg, Mission and the Rio Grande Valley. We review the property damage, policy information, estimates and payments to help you understand whether the claim needs another look.
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.
Was your property claim paid fairly?
Our initial property inspection and claim review are free. If the records and inspection support the insurer’s payment, we will explain that finding at no cost to you. We do not assume every claim is underpaid.
If supported differences need to be addressed and you retain us, we document the damage, prepare the estimate and present the information to the insurer. Our role is public adjusting; additional payment depends on the policy and claim circumstances.
Explore property claim questions or learn how our inspection and documentation work.
We represent the policyholder.Residential & commercial property claimsFirm license #1986412
Start with your concern
What’s happening
with your claim?
A payment, a decision or a long wait. Each deserves a different conversation.
The insurer declined the claim.
Start with the written explanation, the relevant policy language and the records behind the loss.
You’re still waiting.
Review the timeline and communications to understand what may still be outstanding.
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 connect the relevant records to help explain the concern and present a supported claim position to the insurer.
- 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.
Help for your home
or commercial property.
For homeowners
Your home. Your claim.
Your next decision.
Understand the insurer’s estimate, policy deductions and the records needed to support your claim.
For commercial property owners
A complex property file
needs clear organization.
Organize the property claim and the documentation behind it, including records held by different people.
Know who represents you
Your property claim.
Our public adjusting work.
Under Paid Claim LLC represents the policyholder. Our work is to review the property damage, compare estimates and payments, and document a supported claim position.
Start with a free inspection and claim review. If the available records support the insurer’s payment, we tell you at no cost. If supported differences need attention and you retain us, we prepare the documentation and estimate and present them to the insurer.
Texas public insurance adjuster firm license #1986412 · Cord Largo #1862708.
Meet Cord Largo and Martha Guerra · Check current licensing through TDI
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 TDI guidance
Texas Insurance Code §4102.163 restricts contractors from acting as public adjusters on property where they provide or may provide contracting services. TDI also explains that contractors may provide estimates and discuss technical information.
Read §4102.163 · Read TDI’s contractor guidance · View all cited TDI 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 located and what has happened with the claim so we can discuss whether our services fit your situation.
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.
If representation is a fit, we explain the proposed work and fee terms in a written agreement.
03
Build and present the claim.
For accepted claims, we review the records, document the damage and communicate the supported claim position.
Our financial interests are aligned with yours.
We’ll tell you the truth about whether your insurance company paid you fairly. If the payment is fair, we’ll explain that finding at no cost to you. We only get paid when we obtain additional money for you, so there is no benefit to pursuing an unsupported difference.
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 public insurance adjuster represents the insured in a property insurance claim. When retained, we help document and present the claim and communicate with the insurer on your behalf.
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?
If available, keep your policy, insurer estimate, decision letter, photographs and repair estimates together. Start with what you have; we can discuss which records are relevant.
Fees & fit
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.