The Group
We are a Public Insurance Adjusting Firm.
Our team of professional claims representatives has the knowledge, experience and expertise to ensure that your claim is handled fairly.
Many of our associates have held independent insurance adjuster licenses in multiple states, and have been certified by dozens of insurance companies, trade associations and state agencies.
Call today for a free consultation: 903-780-4358. An experienced claims representative will be happy to discuss your claim with you.
The Process
The decision to hire a public adjuster is yours and yours alone. We try to give you as much detailed information as possible about the various scenarios regarding your claim, so that you can make an educated decision.
If you do decide to hire a public adjuster you will realize the benefits from the start of your claims process as we begin to manage and navigate the stressful process of filing your claim.
We understand the claim process and try to alleviate many of your concerns by answering all of your questions to the best of our ability.
Public Adjuster Licensing
The public adjusting profession has changed and grown over the last few years. Public adjusting firms are becoming more common and accepted in the international adjusting and risk management community. Following the tragedy of 9-11 and other catastrophic events, our National Association of Public Insurance Adjusters (NAPIA) initiated effort to create a national licensing bill that would promote a model licensing bill for state insurance commissioners to use as they implemented public adjuster licensing laws in their states. Working alongside the National Association of Insurance Commissioners (NAIC), NAPIA continues to work to establish these laws.
Many states, including the state of Texas, have implemented public adjusting licensing laws. These laws set forth background checks, testing, financial bonding and continuing education requirements for the public adjuster. In Texas, as enforced through the Texas Department of Insurance, the law seeks to create better protection for the public and improve the professionalism and experience level of those who hold themselves out as public adjusters in the state.
Many other states and countries have similar insurance adjuster licensing laws. Make certain that anyone approaching you after a loss presents his or her license before speaking with you. By ensuring the individual is licensed, you can be comfortable that your public adjuster is a licensed professional and fully qualified to perform the service promised to you.
It should be noted that while there may be a restoration company or contractor that will tell you they will handle your claim, in licensed states they are prohibited from this practice. It is clear, in the laws of the State of Texas that a public adjuster may not participate or engage in the reconstruction of damaged property when they are acting as a public adjuster in the claim. Furthermore, a contractor is prohibited from being a public adjuster when hired to rebuild the property. To engage in both is against the law and is clearly a conflict of interest. The contractor is not a licensed adjuster: use your contractor to rebuild your property, not as a consultant in an area they are unfamiliar. Finally, your insurance company representatives will ignore any individual handling a claim on your behalf if they do not produce an approved retainer for service, including language required by law, with license numbers on the document.
Many states offer online license verification through their respective insurance departments. To verify if someone is a licensed adjuster and is authorized to solicit you and/or adjust a claim on your behalf, click on this link:
License Verification