Houston Public Adjuster
4.9 ★ — 77 reviews on GoogleLicensed public adjusters fighting for Houston homeowners and businesses after hurricanes, flooding, hail, freeze events, and complex commercial losses across Harris, Fort Bend, Montgomery, Brazoria, and Galveston counties.
10+
Years Experience
$100M+
Claims Recovered
5,000+
Claims Handled
Licensed
Bonded & Insured
Houston's Trusted Public Adjusting Firm
Houston property owners face a combination of weather and infrastructure risks unmatched almost anywhere in the United States. As the nation's fourth-largest city and the anchor of the Texas Gulf Coast, Houston absorbs direct hits from major hurricanes, repeated tropical-storm flooding, severe-thunderstorm hail, and—since February 2021—catastrophic freeze events that have produced billions in burst-pipe and water damage across the metro. Layered on top of weather is Houston's sprawling, low-elevation geography: heavy rain that would simply drain in other cities accumulates here, overwhelms bayous, and inundates neighborhoods miles from any flood map.
Insurance companies know Houston's exposure profile, and they price, scope, and adjust claims accordingly. Wind-vs-flood causation disputes follow nearly every named storm: private wind carriers blame the NFIP, the NFIP blames the wind carrier, and Houston policyholders are caught between two adjusters pointing at each other. Hail damage on Houston roofs is routinely classified as "cosmetic" or "pre-existing." Freeze claims are challenged on whether the loss was "sudden and accidental" and whether the homeowner maintained adequate heat. Even straightforward water losses get scoped narrowly, with hidden moisture behind drywall and under flooring left out of the estimate entirely.
Our Houston public adjusters level that playing field. We document Gulf Coast wind damage with engineering reports, NOAA storm data, and drone roof surveys. We map flood elevations, document the high-water mark, and force proper allocation between wind and flood policies. We use moisture meters and infrared imaging to prove the full scope of freeze and water damage. And we negotiate using current Houston construction pricing—not the outdated Xactimate rates carriers default to—so settlements actually cover the cost of restoring your property.
Houston-Specific Claim Challenges
Hurricane Wind & Storm-Surge Damage
From Hurricane Harvey through Beryl and beyond, every major Gulf Coast storm produces a surge of disputed Houston claims. We document wind-driven rain entry, roof-system failure, exterior wind damage, and structural issues with engineering evidence and meteorological data tied to your specific Houston address—forcing carriers to acknowledge covered wind losses rather than reclassifying them as excluded flood.
Houston Flooding & NFIP Disputes
Houston's bayou and watershed system means flooding can occur far outside designated flood zones. Properties in Meyerland, Bellaire, Kingwood, Memorial, Cypress, and across Harris County have repeatedly flooded from rainfall events alone. We handle both NFIP and private flood claims, document the full scope of contents and structural loss, and push back when carriers undervalue depreciation or apply coverage limits incorrectly.
Freeze & Burst-Pipe Losses
The 2021 winter storm exposed how vulnerable Houston plumbing is to deep freezes, and subsequent winter events have produced repeat losses. Insurers dispute whether the freeze was sudden, argue homeowners failed to maintain heat or drain pipes, and undervalue hidden water damage behind walls. We document freeze losses thoroughly, including mold and microbial growth as covered resulting damage where the policy supports it.
Hail & Roof Repair-vs-Replace Disputes
Houston-area severe thunderstorms regularly produce hail that damages roofs across The Woodlands, Katy, Sugar Land, Pearland, and inner-loop neighborhoods. Carriers routinely call hail damage "cosmetic," authorize spot repairs that void shingle warranties, or apply matching exclusions to deny full replacement. We document granule loss, mat fractures, and impact bruising to prove full wind & hail replacement is the only adequate remedy.
Houston Commercial & Multifamily Claims
Houston's energy corridor, Texas Medical Center, Port logistics network, multifamily complexes, and retail/hospitality operators face complex commercial property and business interruption claims after every CAT event. We coordinate with property managers, building engineers, and accountants to document property damage, lost income, extra expense, and contingent business interruption exposure thoroughly.
Understanding Houston Insurance Rules & Deadlines
Houston claims are governed by the Texas Insurance Code and overseen by the Texas Department of Insurance. The Texas Prompt Payment of Claims Act sets specific timelines for insurers to acknowledge a claim, request information, and pay or deny once they have what they need—and missed deadlines can carry interest and attorney's-fee exposure that strengthens policyholder leverage during disputes.
Houston-area policies also commonly include percentage-based hurricane and named-storm deductibles, often 1%–5% of the dwelling coverage amount. On a $400,000 Houston home, a 2% wind deductible means $8,000 out of pocket before the carrier pays anything. We review your declarations page carefully, confirm whether the storm triggered named-storm deductibles, and challenge insurers who apply hurricane deductibles to losses that do not qualify. For flood-zone properties, we coordinate the interplay between NFIP, private flood, and wind coverage so the policyholder is not penalized for the carriers' failure to communicate with each other.
Federal disaster declarations after major Houston storms also affect deadlines and resources. The FEMA disaster declaration database documents recent events affecting Harris and surrounding counties, which we use as evidence in claim presentations and supplemental requests when relevant.
Houston Claim Services
Why Choose Corbitt Public Adjusting in Houston
Houston Storm Experience: Direct experience handling Houston-area claims from Harvey, Beryl, and other major Gulf Coast events—including wind-vs-flood disputes, percentage-deductible challenges, and freeze-loss representation.
Local Construction Pricing: Xactimate estimates built on current Houston-area labor and material rates—not outdated pricing models that leave policyholders short of actual repair costs.
Commercial Capability: Proven results on commercial, multifamily, retail, hospitality, and industrial losses across the Houston metro—including business interruption and contingent business interruption.
Aggressive but Professional Negotiation: We push for maximum recovery while building the documented evidence record that produces results in negotiation, appraisal, and litigation when necessary.
No Upfront Costs: Pure contingency representation. You pay nothing unless we increase your settlement above the insurer's initial offer.
Houston Claim Resources
Learn more about how public adjusters help with hurricane claims, supplemental claims, recognizing signs of insurance bad faith, and the hidden costs of water damage. Return to our Texas state hub for statewide coverage information.
Houston Public Adjuster FAQs
What Houston Clients Say
"My house was destroyed in the last hurricane that floated through Texas. My insurance company initially paid out a portion of what it actually cost to fix my entire house. Miles responded and showed up to my house within 36 hours. He pointed out several areas that the insurance adjuster overlooked and showed compassion through the whole process. Miles expedited everything and made sure I was fully compensated. Finally back in my house and glad I went with this company."
Derrick W.
"After getting a tree that destroyed 2/3rds of my house the insurance was not offering to give me $8,000. With Miles' help I was able to rebuild my house. Thank you for everything that you do. You've been a blessing to me and my family."
Jorge G.
"I cannot say enough to express the appreciation I have for Corbitt Public Adjusting. Following Hurricane Beryl, my insurance all but refused to pay anything toward repairing my home. My roof needed replacing, floors, doors, and many other areas of my home. This firm went to bat for me and didn't stop until they achieved the goal. Despite countless denials, appraisals, and over a year of back and forth, Corbitt won and I received a much needed settlement offer. They deserve all the stars available."
Deonica H.
Other Texas Areas We Serve
Our licensed public adjusters respond across all of Texas—from the Gulf Coast to the Panhandle and every major metro in between.
Return to our Texas state hub for statewide coverage information.
Don't Settle for Less Than You Deserve
If your home or business has suffered damage, our team is here to guide you through every step of the insurance claims process. No matter the extent of the loss or the complexity involved, we work diligently on your behalf to secure a fair, timely, and fully supported resolution. From start to finish, we manage the entire claims process for you—ensuring you receive the full compensation your policy provides.