Texas Public Adjuster
4.9 ★ — 77 reviews on GoogleLicensed public adjusters fighting for Texas policyholders after hurricanes, hail, freezes, tornadoes, and catastrophic property losses statewide—from Houston and the Gulf Coast to Dallas–Fort Worth, Austin, San Antonio, El Paso, and every community in between.
10+
Years Experience
$100M+
Claims Recovered
5,000+
Claims Handled
Licensed
Bonded & Insured
Major Texas Markets We Serve
Corbitt Public Adjusting is licensed throughout Texas with focused regional teams across the state's largest claim markets. Each Texas region has distinct weather exposure, construction patterns, and insurer behavior—and our representation is tuned to those local realities.
Gulf Coast / Greater Houston
- Houston →
- Sugar Land →
- Corpus Christi →
- Katy, The Woodlands, Pearland, Spring, Cypress, Beaumont
North Texas / DFW
Central & South-Central Texas
- Austin →
- San Antonio →
- Round Rock, Cedar Park, New Braunfels, San Marcos, Waco, Killeen, Temple
Why Texas Needs Public Adjusters
Texas property owners face the most diverse and destructive weather exposure in the United States. The Gulf Coast absorbs major hurricanes and tropical systems that produce wind damage, storm surge, and inland flooding hundreds of miles from landfall. The I-35 corridor from San Antonio through Austin to Dallas–Fort Worth sits inside "Hail Alley," where supercell thunderstorms generate baseball-sized hail that destroys roofs across entire neighborhoods in minutes. North and Central Texas see frequent EF2+ tornadoes during spring outbreaks, and the February 2021 winter storm proved that even South Texas is now exposed to catastrophic freeze events that burst pipes and cause billions in interior water damage.
Insurance companies operating in Texas exploit this volatility to minimize payouts. They dispute wind-speed classifications at specific addresses, blame covered storm damage on pre-existing conditions or "wear and tear," apply aggressive depreciation to roofs and exteriors, and use Xactimate pricing that lags behind Texas's actual construction labor and material costs. Material costs across Houston, DFW, and Austin have surged dramatically in recent years as post-hurricane and post-freeze rebuilding demand outstripped supply, yet many carriers continue scoping repairs at outdated rates that leave Texas policyholders tens of thousands of dollars short.
Texas's regional diversity multiplies these challenges. Coastal Texas properties contend with named-storm and percentage-based hurricane deductibles, wind-vs-flood causation disputes between private wind carriers and the National Flood Insurance Program, and TWIA windstorm coverage rules that vary along the coast. North Texas properties face hail-deductible disputes and roof "repair-vs-replace" battles that hinge on shingle manufacturer specifications. Hill Country and West Texas properties deal with wildfire smoke claims, contents losses, and rural construction-cost realities that urban-trained adjusters do not understand.
Commercial property claims in Texas are equally challenging. Houston's energy, petrochemical, and logistics corridors, Dallas–Fort Worth's distribution and corporate hubs, Austin's tech and multifamily boom, and San Antonio's hospitality and healthcare sectors all face business interruption and equipment losses that insurers systematically undervalue. Multifamily, mixed-use, and older commercial buildings with code-upgrade requirements add layers of complexity that only experienced public adjusters can navigate effectively.
Common Texas Insurance Claim Challenges
Hurricane Wind vs. Flood Disputes
After every major Gulf Coast storm—Harvey, Laura, Beryl, and beyond—Texas policyholders face the same fight: was the damage caused by covered wind or excluded surface flood? Private wind carriers blame the NFIP; the NFIP blames the wind carrier; and homeowners are caught in the middle. We document wind-driven rain entry, roof-system failure, and structural wind damage with engineering reports and meteorological evidence to force proper allocation between policies.
Hail & Roof Repair-vs-Replace Disputes
Texas leads the nation in hail claim volume, particularly across the DFW Metroplex, Austin, and San Antonio. Insurers routinely classify hail damage as "cosmetic," authorize spot repairs that void manufacturer warranties, or apply matching exclusions to deny full slope or full roof replacement. Our forensic inspections document granule loss, mat fractures, and impact bruising that prove complete replacement is the only adequate remedy under your policy.
Freeze & Burst-Pipe Losses
The February 2021 winter storm exposed how vulnerable Texas plumbing is to deep freezes, and subsequent winter events have produced repeat losses across the state. Insurers dispute whether the freeze was "sudden and accidental," argue policyholders failed to maintain adequate heat or drain pipes, undervalue hidden water damage behind walls and under flooring, and exclude mold remediation as a resulting damage. We document every aspect of freeze losses with moisture mapping, infrared imaging, and contractor scopes that hold up against insurer pushback.
Water Intrusion & Resulting-Damage Disputes
Wind-driven rain through compromised roofs, plumbing failures, AC condensate overflow, and slab leaks cause extensive water damage across Texas homes and businesses. Insurers minimize these claims by disputing whether water entry was covered wind-driven rain or excluded surface flooding, denying mold and microbial growth as resulting damage, and limiting scope to visible damage while ignoring trapped moisture behind drywall and insulation. We use thermal imaging and moisture meters to document the full extent.
Underinsurance, Depreciation & Lowball Estimates
Texas's surging construction costs—driven by hurricane rebuilds, freeze repairs, and metro growth—mean many properties are underinsured at the time of loss. Insurers compound this by applying aggressive depreciation to building components, using labor and material rates below current Texas market pricing, and scoping repairs narrowly to exclude general contractor overhead and profit, code-upgrade costs, and legitimate line items. We prepare Xactimate estimates using Texas-specific pricing that reflects true local costs and fight for every dollar of recoverable depreciation and ordinance-and-law coverage.
Understanding Texas Insurance Rules and Claim Deadlines
Texas insurance claims are governed by the Texas Insurance Code and overseen by the Texas Department of Insurance (TDI). The Texas Prompt Payment of Claims Act establishes specific timelines for insurers to acknowledge a claim, request information, and pay or deny once they have what they need. Insurers who miss these statutory deadlines without justification can be liable for additional interest and attorney's fees, which is one of the strongest leverage points Texas policyholders have during disputed claims.
Texas generally allows two years from the date of loss to file suit against an insurer for breach of contract, though individual policy terms and contractual limitation periods can shorten the practical window. Prompt notice to your insurer is always essential—most Texas policies require notice "as soon as practicable." Delaying notification or failing to document damage immediately can give insurers grounds to reduce or deny your claim, so contacting a public adjuster early in the process protects your rights.
The appraisal clause in Texas property policies provides a powerful alternative to litigation when you and your insurer disagree on the amount of loss. Each side selects an independent appraiser, and if those appraisers cannot agree, an umpire issues a binding decision. Appraisal does not resolve coverage disputes—only valuation—but it is often faster and less expensive than litigation. We have extensive experience guiding Texas policyholders through appraiser selection, evidence preparation, and the appraisal process itself.
- Prompt Notice: Report damage to your insurer as soon as possible and document everything with photos, video, and written notes immediately after the loss.
- Hurricane & Wind Deductibles: Many Texas policies use percentage deductibles (1%–5%) for named storms or wind events. Review your declarations page so you understand your true out-of-pocket exposure before a storm hits.
- Mitigation Duty: Texas policyholders are required to take reasonable steps to prevent further damage after a loss. Tarp roofs, shut off water, and keep all receipts for emergency repairs.
- Policy Review: Understanding your coverage limits, exclusions, endorsements, and ordinance-and-law provisions before a claim arises puts you in a far stronger position when negotiating with your insurer.
All Texas City Pages
Browse our dedicated Texas city pages for localized claim information, regional weather risk profiles, and city-specific insurance challenges.
How We Help Texas Policyholders
Our Texas public adjusters provide end-to-end claim representation from the moment you contact us through final settlement. We handle all communication with your insurance company, coordinate with Texas-licensed contractors and structural engineers for accurate damage assessments, and negotiate aggressively against lowball offers. Whether your claim involves a single-family home in Plano, a beachfront property in Corpus Christi, a multifamily complex in Austin, or a commercial warehouse in Houston, we build a comprehensive case that documents every dollar of recoverable loss.
We understand Texas's specific construction costs, local building codes, contractor availability after major storms, and the realities of pricing labor and materials in markets where catastrophe demand drives volatility. Our Xactimate estimates reflect actual Texas labor and material rates—not the outdated pricing models insurance companies use to minimize settlements. From initial damage inspection through supplemental claims, appraisal proceedings, and final payment, we fight to ensure Texas policyholders receive every dollar their policy entitles them to.
Texas-Specific Services
What We Handle for Texas Policyholders
Comprehensive Inspections
Detailed damage assessments using thermal imaging, moisture detection, and drone photography to identify hidden damage that insurance adjusters routinely miss across Texas roofs, exteriors, and interiors.
Policy Review & Analysis
Complete coverage evaluation including wind, hail, hurricane, freeze, fire, water, and additional living expense provisions specific to Texas policies and TWIA endorsements.
Damage Documentation
Professional photography, videography, and written reports supported by NOAA storm reports, local weather station data, and meteorological evidence relevant to your Texas address.
Claim Preparation
Xactimate estimates with Texas-specific pricing that reflects true local construction costs, contractor overhead, and current labor rates after major storm and freeze events.
Negotiation
Direct communication with adjusters and claim managers to counter lowball offers with documented evidence, policy language, and Texas Insurance Code leverage where applicable.
Appraisal Management
Guidance through Texas appraisal proceedings, including appraiser selection, evidence preparation, umpire negotiation, and binding award representation.
Why Choose Corbitt Public Adjusting in Texas
Decade-Plus Track Record: Over 10 years of experience and $100M+ in claims handled, including complex Texas hurricane, hail, freeze, and commercial property losses across every region of the state.
Texas Market Expertise: Deep understanding of Texas construction costs, local building codes, contractor availability after CAT events, and the specific claim tactics insurers use across Houston, DFW, Austin, San Antonio, and beyond.
Complex Claim Specialists: Proven expertise handling large-loss claims, commercial property disputes, multifamily and mixed-use claims, hurricane wind-vs-flood allocation, and freeze losses requiring engineering and forensic evidence.
Aggressive but Professional Negotiation: We push for maximum recovery while maintaining the professional relationships and documented evidence that produce results. Our approach consistently outperforms insurer initial offers by significant margins.
No Upfront Costs: Pure contingency-based representation. You pay nothing unless we increase your settlement—aligning our interests completely with yours.
Our Texas Claims Process
- 1
Free Claim Review
Contact us for a no-obligation assessment of your claim situation, policy coverage, and likely insurer pushback.
- 2
Property Inspection
Comprehensive on-site damage evaluation using drone surveys, thermal imaging, and moisture detection across roof, exterior, and interior.
- 3
Policy Analysis
We review your Texas insurance policy to identify all applicable coverages, endorsements, deductibles, and benefits.
- 4
Documentation & Estimate
Detailed Xactimate estimates and supporting documentation prepared using current Texas-specific construction pricing.
- 5
Claim Submission & Supplement
Professional presentation to your insurance company with a strategy for supplemental claims as additional damage is discovered.
- 6
Negotiation & Dispute Handling
Aggressive advocacy including appraisal invocation when insurers refuse to negotiate fairly under Texas law.
- 7
Settlement & Recovery
Final resolution, payment coordination, and guidance on next steps for your Texas property repairs.
Texas Claim Resources
Learn more about how public adjusters help with hurricane claims, supplemental claims, recognizing signs of insurance bad faith, and why insurance underpays roof claims. For freeze-related water losses, see the hidden costs of water damage. Additional resources from FEMA document Texas's recent disaster declarations.
Frequently Asked Questions
What Texas 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.
"Corbitt absolutely rocks. No hype. If they say the insurance company is wrong, trust them. A huge tree had fallen on our home and our detached garage, fences broken at multiple posts, interior and structural damage. Our settlement went the distance — appraisers, an umpire, and some shady behavior from our insurance company. In the end, Corbitt delivered a great settlement that will actually allow us to make the needed repairs. Katie was fantastic all the way. Outstanding job all around."
Michael J.
"After our insurance company denied our claim we were referred to Miles Corbitt Public Adjusting by a contractor who was giving us a quote and heard our story. This was a game changer. It took a year of back and forth, but we eventually won and were awarded more than initially discussed. Repair work is finally in progress and we couldn't be happier!"
Lucy M.
"We were initially denied a roof replacement from our insurance provider. After trying to fight with our provider for one year, Corbitt stepped in and took over. They never gave up and eventually we were able to get a new inspection which resulted in a full roof replacement. Thank you Corbitt for your hard work and commitment on our behalf!"
David H.
"I am very grateful to know there is a company willing to bat and work hard for you and answer all the questions you have. From start to finish they all listened to my concerns and really tried to find a way to help. They will answer all emails and calls no matter what. Don't look any more if you're in doubt — they will be the best choice. Thank you Katie for the most amazing customer service. Corbitt is the adjuster to use."
Jonathan E.
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.