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Does homeowners insurance cover hail damage in Texas? Yes. Standard Texas homeowner insurance policies cover hail damage to your roof, gutters, siding, windows, and other structures. However, some policies have specific hail deductibles (often 1–2% of the home’s insured value), and some newer policies include cosmetic damage exclusions. Review your policy declarations page to understand […]

What does a public adjuster do in Texas? A public adjuster in Texas is a licensed professional who represents homeowners and business owners in insurance claims — working exclusively for the policyholder, not the insurance company. A public adjuster documents damage, prepares repair estimates, negotiates settlements, and invokes the appraisal clause when necessary to maximize

Wind Damage Insurance Claim DFW Texas | First Call Public Adjusters DFW is no stranger to severe wind events. From straight-line winds and derechos to the edges of tornadic supercells, North Texas homeowners face wind damage risk throughout the year — not just during traditional “hail season.” Yet wind damage claims are among the most

Denied Insurance Claim Texas | What to Do Next | First Call Public Adjusters Getting a claim denial letter from your insurance company is one of the most frustrating experiences a homeowner can face. You’ve been paying premiums for years. You have a legitimate loss. And now they’re telling you they won’t pay. Before you

Insurance Appraisal Clause Texas | How to Dispute Your Settlement Most Texas homeowners have never heard of the appraisal clause. Their insurance company counts on that.Buried deep in your homeowner policy is a provision that gives you a powerful tool when you and your insurance company disagree on the value of your claim. It’s called

Hail Damage Roof Insurance Claim Texas | First Call Public Adjusters Texas leads the nation in hail damage claims — and unfortunately, it also leads in underpaid ones. Every spring, DFW homeowners file claims after severe hailstorms, only to receive settlement offers that don’t come close to covering actual repair costs. Insurance companies have experienced

Partnering With a Public Adjuster: A Guide for Texas Contractors & Roofers Why Contractors Need to Understand Insurance ClaimsIf you’re a roofing contractor, restoration company, or general contractor in Texas, insurance claims are a core part of your business. Most of your work — especially storm restoration — is funded by insurance proceeds.But there’s a