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Insurance Claims Houston

Stephen Dwight Hadhazi
Texas Public Adjuster

Texas Insurance Claim Denial

Help! A Texas Insurance Claim Denial Letter Just Arrived
It’s bad enough that you are suffering from a devastating loss in Texas but at least you have insurance to help. But what if you get a claim denial? Unfortunately, denials do occur. This doesn’t mean you are helpless. In fact, if you live in Texas, help is available in dealing with the insurance claim denial process.
Types of Texas Insurance Claim Denials
Many catastrophes regularly strike Texas and insurance claim denials are bound to occur. Among the more typical insurance claims that a public adjuster can help with are:

  • Hurricane related claims
  • Tornado related claims
  • Wind related claims
  • Commercial or residential claims
  • Fire related claims
  • Theft
  • Vandalism
  • Flooding
  • Smoke damage
  • Building collapses
  • Explosions
  • And many more Texas insurance claim denials or unsatisfactory settlement offers

Let a Public Insurance Adjuster Negotiate on your Behalf
A public insurance adjuster from Texas can assist you in turning your insurance claim denial into a settlement offer. Many times insurance claims are denied because the damage doesn’t exceed the deductible however under-estimating damage is common. An adjuster can scour your property and review your policy to determine if your damage has been overlooked or underestimated.

What is a Public Insurance Adjuster?
A public insurance adjuster is a professional licensed by the Department of Insurance in Texas. Whether you have an insurance claim denial or hope to get a more equitable settlement offer, hiring a public insurance adjuster makes sense. They work for you, not the insurance company. In addition, they work for a percentage of the settlement offer – only if they can get you a better deal. If they fail, and can’t overturn your Texas insurance claim denial, you don’t pay. This fee schedule ensures that the adjuster performs in your best financial interest.

When dealing with a Texas insurance claim denial, the public adjuster will sort through every inch of your damaged property including structural damage and personal property searching for anything that the insurance company may have missed. This thorough examination often yields damages that were overlooked or underestimated.

Hundreds, possibly thousands, of digital photos are taken along with detailed drawings and notes. They deal with all of the forms and related paperwork that flood in after you’ve filed an insurance claim in Texas. Denial letters are stressful but a public insurance adjuster takes them in stride. They also examine your policy to learn what your coverages are and to make sure you get everything you are entitled to.

A thorough inventory of all damaged goods and structures, digital photos, notes, and estimates using local re-building costs are bundled into a comprehensive package that is delivered to your insurer as a counter offer to your Texas insurance claim denial.

The public insurance adjuster will later meet with an insurance company representative at your damaged property to point out the extent of the damage and negotiate on your behalf. Many policyholders in Texas have seen an insurance claim denial turn into a reasonable settlement offer with the help of a public insurance adjuster.

You don’t have to live with a Texas insurance claim denial; professional help is available in Texas. Your insurance claim denial can be overturned with the help of an advocate who is knowledgeable about the local construction industry and related costs and the ins and outs of the insurance industry. They deal with the stressful paperwork and thoroughly document all damage. Let a public insurance adjuster licensed in Texas turn your insurance claim denial into a reasonable settlement offer.


Texas Public Adjuster License # 1388578
10311 Emnora
Houston, TX 77043
Tel: (713) 689-9177
Fax: (281) 596-7508