Underpaid Commercial Insurance Claims in Texas
The carrier accepted the claim. The number is the dispute. A low check is not the same thing as a finished commercial file.
Owners in McAllen, Edinburg, Pharr, and the rest of the Rio Grande Valley often describe it the same way: the insurance company took the claim, sent an inspector, and issued a check that does not rebuild the property or reopen the business. That is a valuation dispute, not a mystery.
A public adjuster works that gap. We do not sue the carrier. We document the building, write the Xactimate, and negotiate the amount of loss.
Signs the settlement is short
- Contractor or vendor bids exceed the carrier estimate by a wide margin
- Entire trades missing — electrical, interior finishes, code, HVAC, contents
- Repair scoped where the policy and the roof system require replacement
- Recoverable depreciation never released
- Business interruption or extra expense ignored or cut off early
- Engineer report used to shrink scope rather than describe the building
Free review. No contract to start.
Send the policy, the estimate, the letter, and photos if you have them. A call is enough. Fee: 10% of additional money recovered if you hire us, with the Texas statutory cap of 10% of the settlement.
Request a Free Claim Review
No contract required for a review. We only work if you hire us. Hiring a public adjuster is optional.