Questions about your property insurance claim

Follow your policy’s notice requirements and promptly report suspected covered damage; don’t delay required notice while deciding whether to request our review.

For Texas residential property insurance, TDI says insurers cannot increase your premium or refuse renewal based on claims for natural causes, including weather damage. That does not freeze your premium: broader rate changes and other permitted factors can still affect renewal cost, even if you never file a claim.

Cancellation during a policy term is a separate issue with its own rules. Do not assume these residential protections apply identically to every fire loss, commercial policy or separate flood policy. We can review your claim documents; your insurance agent or TDI can address policy-specific premium and renewal questions.

Official sources: TDI: Will my premium go up if I file a claim?; Texas Consumer Bill of Rights, items 15–16 and 20–21 (PDF); TDI home insurance guide.

Compare the documented damage, the insurer’s estimate, your payment record and the applicable policy information. We inspect the property and review the available records to identify supported differences or explain why the payment appears consistent with the information reviewed. A repair quote higher than a check is a reason to examine the details, not proof of underpayment.

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 public adjusting fits the concern and you retain us, we document the supported damage, prepare a scope and estimate, and present the information to the insurer. We communicate about the supported differences. Further payment depends on the policy, evidence and claim circumstances; a larger estimate is not a guaranteed recovery.

No. Deductible, depreciation, limits, earlier payments and coverage terms can affect the check. Review the estimate and payment breakdown separately. Read how to understand an insurance payment.

Yes. Tell us what was paid, what work remains and why you have concerns. Keep the insurer’s latest estimate and earlier versions. Whether further work is appropriate depends on the records, policy terms, claim stage and deadlines.

An estimate describes the work and costs included in an assessment. A payment reflects what is being paid at that stage after applicable deductions, earlier payments or policy conditions. Compare comparable estimate totals, then reconcile the payment separately.

A deductible is the portion of a covered loss that remains your responsibility under the policy. It can reduce the insurer’s payment even when the damage is included in the estimate. Confirm which deductible applies rather than assuming every claim uses the same amount.

Depreciation is a reduction for age, wear or other relevant factors. Whether any withheld depreciation may be recoverable depends on your coverage and applicable requirements, including repair documentation and deadlines. It is not automatically recoverable on every claim.

Replacement-cost coverage and actual-cash-value coverage use different valuation approaches. Actual cash value generally reflects depreciation. Replacement-cost coverage may involve conditions before an additional payment is available. Review your own policy and payment letter; see our payment explanation.

No. Different scope, quantities, pricing, valuation bases or coverage assumptions can produce different totals. A supported estimate is part of the claim presentation. It is not a settlement, a payment promise or a measure of the client’s net proceeds.

Check which rooms or roof areas, materials, quantities and repair operations each includes. Compare dates and valuation assumptions before totals. A difference can warrant review without establishing additional money owed. See our estimate comparison guidance.

Identify the exact line, location and competing measurement with its supporting record. A room diagram or marked photograph can make a concern easier to review. Read our estimate and payment guide.

Not necessarily. A check may represent a partial payment rather than a final settlement. Before signing or depositing it, review the check and accompanying documents for any release or final-settlement language, and confirm with the insurer whether the payment is partial or final.

Keep the written denial, policy and supporting records. Identify whether the dispute concerns the amount of damage, coverage or another issue. Our denial next-steps guide explains how to organize the file and distinguish public adjusting from legal advice.

Yes. A claim being marked closed does not automatically prevent us from reviewing the damage, estimates and payments. We can assess whether the documentation supports requesting further consideration or whether the insurer’s payment appears fair.

Contact us promptly. Applicable deadlines depend on the policy and claim circumstances, and requesting our review does not extend them.

Keep a dated timeline of reports, inspections, document requests and replies. Identify any outstanding information and keep copies of communications. Tell the appropriate professional about approaching deadlines. Sending our form or hiring a public adjuster does not extend a policy or legal deadline.

The insurer’s scope may allow work only on the areas it considers damaged. Review the observed conditions, materials, quantities and proposed repair method alongside the policy. Neither a repair allowance nor a request for replacement establishes the right outcome by itself. Read more about this claim type.

Keep the written explanation, dated photographs, maintenance records and any inspection findings. An inspection can help document observed conditions and the basis for a scope disagreement. Whether a loss is covered depends on the policy and facts; legal interpretation may require an attorney. Read more about this claim type.

Keep the product information and the contractor’s explanation of availability and the proposed repair. Material availability, repair feasibility and policy terms need to be examined together. An unavailable product does not automatically establish that the insurer owes for an entire roof. Read more about this claim type.

Connect each affected area to its photograph, measurement and estimate line. Keep roof, flashing, ceiling, insulation and finish items identifiable. A documented connection helps explain the concern without assuming that every interior condition has the same cause. Read more about this claim type.

Keep photographs from before and during the work, contractor proposals, invoices, product information and dates. Explain what changed and who has the earlier records. Do not postpone necessary protective work solely to wait for our inspection. Read more about this claim type.

A plumbing leak, rain entering through a damaged roof and surface flooding may involve different coverage terms or policies. Keep records showing where water appeared, when it was discovered and what inspection or repair findings identify the source. We do not assume that every water loss is covered. Read more about this claim type.

A stain records a visible condition, but it does not by itself establish the source or the full repair scope. Relevant inspection findings, photographs and appropriately obtained moisture or repair records may help explain affected materials. Unsafe or concealed areas may require a separately qualified provider. Read more about this claim type.

Keep dated photographs, mitigation estimates and invoices, equipment and drying logs where available, and reports describing affected areas. Connect those records to the correct room or building and explain any removed materials. Submit documents through the channel agreed with the insurer or your representative. Read more about this claim type.

Identify the material and location, preserve available photographs or reports, and compare the proposed repair scope. The question is whether the evidence and policy support including that work, not simply whether one estimate has a larger total. Read more about this claim type.

Yes, start with the available records and explain what has been removed or repaired. Earlier photographs, reports and invoices may clarify conditions no longer visible. The adequacy of those records and the claim circumstances determine what further review can address. Read more about this claim type.

We can review relevant accessible conditions, photographs and records describing smoke, soot and affected materials. A condition in another room needs documentation; the extent of the claim cannot be decided from the distance to the fire alone. Specialized testing or remediation may require a separate provider. Read more about this claim type.

Keep photographs taken before and during cleaning, the contractor’s scope, invoices, reports and the dates of work. Explain which areas or items changed. Do not delay necessary safety or protective work to preserve an inspection opportunity. Read more about this claim type.

Keep each location and item identifiable in photographs, notes, relevant qualified-provider findings and estimates. The existence of one damaged component does not establish damage to every nearby item. See commercial claim documentation.

We can typically arrange the initial inspection within a day or so. If your claim documents are available, we can often begin reviewing them immediately.

The inspection helps us verify the damage and generally gives us an initial understanding of its extent and likely repair cost. Our detailed report and itemized Xactimate estimate typically take about a week after the inspection. Xactimate is widely used by insurance professionals; the supporting documentation explains the repairs, quantities and pricing in our estimate. Using the software does not guarantee the insurer will agree with every item.

You generally do not need to be present for an exterior-only inspection, provided access has been arranged. If we need to inspect the interior, someone must provide access. We prefer to check for related interior damage where appropriate, even when the main concern is outside. We will discuss access requirements when scheduling.

We discuss the concern, inspect accessible relevant areas, and document observed conditions through photographs, measurements and notes appropriate to the property. We connect those observations to the available claim records. Read what our inspection and documentation process involves.

We develop a scope identifying documented areas, quantities and proposed repair items, then prepare the estimate. The supporting inspection record explains what the numbers represent. Estimating software organizes the work; it does not determine coverage or guarantee payment.

We can discuss the relevant documents and property concerns for an accepted claim. Keep earlier inspection notes, the latest insurer estimate, photographs and correspondence together. Arrange safe access and record who attends. See the reinspection preparation section of our checklist.

Keep a concise list of unresolved areas, the latest estimate and the documents already provided. Record who attends and which concerns are reviewed so the next communication is tied to the same file. Our reinspection checklist can help.

Identify authorized contacts, affected units or areas, access restrictions, relevant maintenance or repair records and earlier inspection dates. Share only material relevant to the concern through an agreed channel. See commercial property claim help.

Record which areas were not inspected and why, and discuss safe access with the owner or authorized contact. Do not present unobserved conditions as confirmed damage. Our inspection guide explains how records and observations work together.

Start with what you have. Your initial inquiry needs your city or ZIP code and a short explanation of the concern, not document uploads. Our claim review checklist explains which records may be useful later.

When we receive your request during office hours, our team will call you as soon as possible to discuss your claim, the damage and your concerns. We will explain which documents would help and discuss arranging the initial inspection. Our office hours are Monday–Friday, 10 a.m.–5 p.m. Central Time.

For accepted claims, we organize the scope, estimate and supporting documentation, explain the differences requiring review, and communicate with the insurer. We keep the distinction between estimated damage and money actually paid clear.

When retained, we represent the policyholder in the public adjusting process. Our role is to review and document the property claim and communicate the supported claim position to the insurer on your behalf.

Texas public insurance adjusters must be licensed. Under Paid Claim LLC lists firm license #1986412, and Cord Largo lists public insurance adjuster license #1862708. You can use the Texas Department of Insurance license lookup guidance to check license information. A license is not a promise of a particular claim result.

It depends on the problem. A public adjuster works on property damage documentation, estimating and the adjusting process. An attorney provides legal advice and representation, including coverage or litigation issues. You do not automatically need a lawsuit to have damage documented, but public adjusting is not a replacement for legal advice when needed. See our professional roles guide.

The insurer’s adjuster handles the claim for the insurer. When retained, we represent the policyholder in public adjusting. A contractor proposes or performs repair work. These are different responsibilities; our firm does not undertake repair work or provide legal representation.

Yes. We provide residential and commercial property claim adjusting. Tell us the property type, location and main concern so we can discuss whether the claim fits our services.

Identify each building or address, who can authorize access and whether several records share a claim number. Organize photographs, measurements, estimates and payment records by the affected property so the file can be followed clearly.

Tell us what work was completed, what remains and what records are available. Keep earlier photographs, estimates, invoices and inspection reports. Completed repairs can affect which conditions remain observable; the available evidence matters.

Yes. We visit customer properties in McAllen, Mission, Edinburg and the Rio Grande Valley. For other Valley locations, give us the city or ZIP code so we can discuss arrangements. We do not imply a separate office in each city.

Yes. Tell our team whether you prefer English or Spanish, or select your preference in the claim-review form. Atendemos en español e inglés.

Use the claim-review form or call 956-772-4404. Share the property city or ZIP code, claim stage and main concern. Do not include private policy documents or account details in the initial form.

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.

Our fee is 10% of new money received, with no fee on payments received before you hire us and no additional expenses. If no new money is received, no fee is due. Representation begins through a written agreement. Read the process and fee terms before deciding.

No. Payments received before you hire us are not subject to our fee. Our fee is 10% of new money received. Discuss the written agreement and your payment history before representation begins.