A+ Public Adjusters

What Does a Public Adjuster Actually Do — And Why Houston Homeowners Need One?

Your insurance company has a trained team protecting their bottom line. Here is exactly how a licensed public adjuster levels the playing field on your behalf.

What Is a Public Adjuster?

A public adjuster (PA) is a licensed insurance professional who works exclusively on behalf of the policyholder during the insurance claims process. They do not work for the insurance company. They are not contractors. They are claims specialists whose entire job is to represent your interests in documenting, filing, and negotiating your property damage claim.

How to Protect Your Claim?

Before the storm: Photograph your home's exterior and roof in their current condition. Know whether you have flood insurance. Locate your policy declarations page. Immediately after: Document all points of water entry with photos and video. Photograph water stain patterns — vertical stains running down from the ceiling indicate roof-entry water; horizontal tide lines at a uniform height indicate rising water.

How to Pull Official Storm Data?

Insurance companies frequently dispute the date of loss on hail claims. Official storm records are your defense. The National Centers for Environmental Information (NCEI) at ncei.noaa.gov maintains a public database of storm events searchable by county and date. If the NOAA record confirms a hail event for your area, that is official government documentation of the storm.

What Is a Supplemental Claim?

A supplemental claim is an additional submission made after an initial claim has been partially paid or denied. It asks the insurer to reconsider, add to, or correct their original estimate based on new documentation, additional damage discovered, or errors in the original scope. You do not need to have rejected your original payment to file a supplement. You can have cashed the check.