Dallas Public Adjusters. Your Claim, Maximized.

Our Texas office is on Bryan Street in downtown Dallas, so North Texas claims are the ones closest to home. The metro sits under one of the busiest hail corridors in the country, but hail is only part of it. Freezes and the clay soil under Dallas homes produce claims of their own, and they are argued differently.

Frozen and burst pipes

Winter Storm Uri in February 2021 burst pipes across North Texas, and hard freezes still do. Water damage from a pipe that freezes and bursts is usually covered, but many policies exclude freeze damage if the home was left unoccupied without heat or the water was not shut off. Recording the temperature, the date and when you found the leak is what keeps a freeze claim from being argued as neglect.

Foundation movement and slab leaks

Dallas sits on expansive clay that swells when wet and shrinks when dry, and foundation movement is common here. Policies generally exclude settling and earth movement, so foundation repair itself is rarely covered. A plumbing leak under the slab is different: the water damage it causes, and often the cost of reaching the pipe through the slab, can be covered even when the movement is not. Which one caused the damage is the claim.

Commercial property

Offices, retail, warehouses and multifamily buildings across Dallas carry commercial policies with percentage wind and hail deductibles, coinsurance clauses and business income coverage. A hail claim on a commercial roof is measured in squares and dollars that make documentation worth the effort. Our commercial claims page explains how we handle them.

Texas prompt payment rules

Texas law puts deadlines on your insurer. After you report a claim, the insurer generally has 15 days to acknowledge it and start its investigation, 15 business days after it receives everything it asked for to accept or reject the claim, and 5 business days after accepting it to pay. When those deadlines slip, ask in writing for the reason and keep the reply.