Houston Public Adjusters. Your Claim, Maximized.

Five Star's Texas phone line is a Houston number, and our licensed adjusters work Houston and Gulf Coast claims from our Texas office in Dallas. No other part of the state stacks perils the way Houston does: tropical systems, flooding rain and severe wind, sometimes within weeks of each other.

Wind and flood are different policies

Harvey in 2017 was the wettest tropical cyclone on record in the United States, and most of the damage it did in Houston was flooding. A homeowners policy excludes flood, which needs a separate flood policy, and new flood policies usually have a 30-day waiting period. Wind damage and rain that enters through a wind-damaged roof or window are covered under the homeowners policy. When both happen in one storm, proving which damage came from which is what decides how much is paid.

Derechos and hurricanes

In May 2024 a derecho blew out windows downtown and brought down trees and power lines across the city, and Beryl followed in July, leaving millions of people without power. Wind claims from storms like these often include roofs, fences, windows and trees on structures, plus interior water damage that follows the opening. Your wind or hurricane deductible may be a percentage of the dwelling limit, so check your declarations page before you estimate what you will be paid.

Coastal wind coverage

Closer to the coast, many homes buy wind and hail coverage separately from the Texas Windstorm Insurance Association, which writes in the designated coastal counties, including Galveston and Brazoria and part of Harris County. A TWIA claim follows its own rules and deadlines alongside your homeowners and flood claims, so a single storm can mean three claims with three insurers.