Killeen Public Adjuster
Licensed public adjuster. First Call Public Adjusters fights for homeowners and property owners whose storm, hail, wind, fire, and water damage insurance claims were denied, underpaid, or disputed. Free claim review — no upfront fees.
Public Adjuster Services in This Area
Killeen is the largest city in Bell County and home to Fort Cavazos (formerly Fort Hood) — one of the largest military installations in the world. Killeen's market includes a large active-duty and veteran military community, significant rental property stock, and homeowners who deserve the same expert insurance claim representation as any Texas city.
First Call Public Adjusters handles storm, hail, wind, and water damage claims for Killeen homeowners and property owners. We understand the unique circumstances of military families — including PCS moves, rental property claims, and the time pressures that come with military life — and fight for every Killeen policyholder with the same thoroughness we bring to every claim.
🌩️ Hail & Storm Damage Claims
We document complete storm damage across your entire property and fight for full replacement cost — not the first low offer your insurer sends.
⚖️ Insurance Appraisal
Received a low settlement? Most homeowner policies include an appraisal clause for formally disputing the insurer's valuation without litigation. Ryan Lancon handles this as a licensed appraiser.
🚫 Denied Claim Recovery
A denial isn't always final. We review denied claims, identify improper exclusions, and fight to reopen claims that were wrongly closed.
🏢 Commercial & Investment Property Claims
We handle commercial and residential investment property claims — including loss-of-rent provisions frequently overlooked on landlord policies.
Military homeowners note: If you are an active-duty service member at Fort Cavazos and your property sustains storm damage, the Servicemembers Civil Relief Act (SCRA) may affect certain aspects of your insurance claim and appraisal rights. We are familiar with these provisions and factor them into our representation of military clients in the Killeen area.
Areas We Serve
We serve the area including ZIP codes 76540–76549 and surrounding communities:
We also serve neighboring Harker Heights, Copperas Cove, Temple, Belton, and Georgetown.
Homeowners Ask Us
How much does a public adjuster cost?
First Call works on contingency — a percentage of your final settlement. No upfront fee, no hourly charge, no cost for your initial inspection. If we don't recover more than your insurer offered, you owe nothing.
The insurance company already inspected my property — is it too late?
No — this is the most common time people call us. If you received an offer that feels low, we inspect independently, document what was missed, and negotiate for a higher settlement. Call us before accepting any offer.
What is the appraisal clause and how does it work?
Most homeowner policies include an appraisal clause allowing you to formally dispute the insurance company's damage valuation through a binding process — without litigation. Ryan Lancon is a licensed insurance appraiser who handles this start to finish.
Free Claim Review
No upfront cost. No obligation. Call today to discuss your claim.