Who Are Public Adjusters?
There are three types of insurance adjusters and it is important to know who they are. A company adjuster works for the insurance company, independent adjusters may work for several insurance companies, and Public Adjusters, also known as PAs, work solely for the policyholder.
Public insurance adjusters are the only property loss professionals who have the specialized training and license to negotiate on behalf of policyholders. We represent individuals and businesses when assistance is initially needed in filing a claim or investigating a claim amount offered by an insurance company you feel is not correct.
Your claims for fire, flood, hail, smoke, theft, and wind and hurricane damage, as well damage due to other hazards, can be filed and negotiated by Public Adjusters. Property losses might also result in other types of losses, such as business income, which public adjusters can evaluate.
How Do I Verify the Credentials of a Public Adjuster?
Send an email to TDI at License@tdi.texas.gov or call them at 512-676-6500.
Email the Texas Association of Public Insurance Adjusters (TAPIA) at email@example.com or you may call them at 512-299-6680.
What Do I Need to Know About Contractors?
Many contractors are very reputable, but occasionally you may interact with a contractor who does not fully abide by state law. A contractor may offer to handle your claim “for free” or to “cover your deductible” if you let them do the work. What they are suggesting is called a contingent agreement. This is a conflict of interest and is illegal in Texas. For more information read the Texas Department of Insurance Commissioner's Bulletin regarding the adjusting of claims by unlicensed individuals and entities Texas Department of Insurance Commissioner's Bulletin regarding the adjusting of claims by unlicensed individuals and entities.
Where Can I Get More Information?
The Texas Department of Insurance has an excellent FAQ documentThe Texas Department of Insurance has an excellent FAQ document. Please take the time to read it.