My homeowners claim was denied or paid too little. What should I know before hiring a public adjuster in Texas?

The Texas Department of Insurance (TDI) says hiring a public adjuster is one option. It applies if your homeowners claim is denied, or you think the company should pay more [1].

What TDI says about cost [1]: • A public adjuster can charge up to 10% of the total amount the company will pay for your claim. • The fee can be based on the whole settlement, not just the part you dispute. In TDI's example, the company wants to pay $100,000 and you dispute $20,000. The adjuster could charge $10,000. • If the company does not raise its offer, you might still have to pay the adjuster. You still pay your deductible.

A public adjuster also can't practice law or give legal advice. They can't work on health care claims [1].

Before you sign: you can call TDI's Help Line at 800-252-3439. Ask if the adjuster is licensed, how many complaints there are, and if TDI took action [2]. You have 72 hours after signing to cancel. After 72 hours you can't get out of the contract [1].

Open TDI, Public adjusters: What to know before you hire one to help with your claim, at https://www.tdi.texas.gov/tips/public-adjusters.html and read the part quoted above. Your own plan or policy papers hold details these sources do not give: "Don't know yet" for your case.