Terms and Texas consumer notices

This site is published by Underpaid Claim LLC, a public insurance adjusting firm licensed by the Texas Department of Insurance. Firm license #1986412. Cord Largo, license #1862708. Mailing office: 405 Lark Ave, McAllen, TX 78504.

Nothing on this site is legal advice. We are not a law firm. We do not file lawsuits.

We are not a contractor and we do not perform repairs. Contractor bids are not insurance estimates.

A public insurance adjuster in Texas is licensed under Texas Insurance Code Chapter 4102. A written contract is required before we represent you on a claim. You may cancel a public-adjuster contract by written notice within 72 hours of signature for any reason.

If you hire us, the fee is 10% of additional money recovered after you retain the firm. Texas Insurance Code §4102.104 provides that total public-adjuster commission may not exceed 10% of the amount of the insurance settlement on the claim. Hiring a public adjuster is optional. The free claim review does not require a contract.

There is no guarantee of additional payment. Representative commercial files on this site are composites. They are not testimonials.

We handle commercial property. We do not offer residential homeowners adjusting on this site.

Texas law also limits percentage compensation in a narrow window if the insurer pays or commits in writing to pay policy limits within 72 hours of the loss being reported. We will not claim a percentage fee in that statutory situation.