Public Adjuster Texas
First Call Public Adjusters represents Texas homeowners and businesses in denied, underpaid, and disputed insurance claims — fighting exclusively for policyholders, never insurance companies. Licensed, Haag-certified, and ready to help anywhere in Texas.
What Is a Public Adjuster in Texas?
A public adjuster is a licensed insurance professional who represents you — the policyholder — when filing or disputing a property insurance claim. Unlike the adjuster your insurance company sends, who works for and is paid by the insurer, a public adjuster works exclusively for you. In Texas, public adjusters are licensed and regulated by the Texas Department of Insurance, and must disclose their fee structure in writing before any work begins.
First Call Public Adjusters, led by licensed Texas Public Adjuster Ryan Lancon (License #1921679), has represented homeowners and businesses across Texas for over six years — handling more than 1,262 claims involving hail, wind, fire, water, and storm damage. We're based in the Trophy Club/Southlake corridor of North Texas and serve clients throughout the entire state.
🌩️ Hail & Storm Damage
Texas leads the nation in hail claims. We document storm damage thoroughly and fight for full replacement cost on every claim.
🚫 Denied & Underpaid Claims
We review denials and low settlements, identify what was missed, and fight to recover what your policy actually owes.
⚖️ Insurance Appraisal
Ryan Lancon is licensed as both a public adjuster and insurance appraiser — handling the full appraisal process in-house.
Why Hire a Public Adjuster in Texas?
Texas is one of the most storm-impacted states in the country — leading the nation in hail events and ranking among the top states for tornadoes, hurricanes, and severe wind. With that exposure comes enormous insurance claim volume, and insurance companies have refined systematic approaches to minimizing what they pay on every single claim: excessive depreciation, "cosmetic damage" determinations, generic regional pricing, and claim scopes that miss secondary damage entirely.
The vast majority of Texas homeowners accept their insurance company's first offer without challenge — simply because they don't know they can push back, or don't know how. First Call Public Adjusters exists to change that. We inspect your property independently, document the complete scope of covered damage, and negotiate — or invoke the appraisal clause — until your claim reflects what your policy actually requires.
Ryan Lancon's credentials matter: Ryan holds a Texas Public Adjuster License (#1921679), is a Haag Certified Inspector (HCI-R/C) — the same roof inspection credential insurance companies use to train their own engineers — and is a Certified Public Adjuster Umpire (CPAU). This combination of credentials is rare in the Texas public adjusting industry and directly improves claim outcomes.
Public Adjuster Services Across Texas
We serve homeowners and businesses throughout Texas, with deep local expertise in North Texas / DFW and licensed representation statewide:
Don't see your city listed? We're licensed to handle claims throughout the entire state of Texas. Contact us regardless of location.
Types of Claims We Handle in Texas
🏠 Residential Claims
Roof damage, water damage, fire damage, wind & tornado damage, foundation damage, and more.
🏢 Commercial Claims
We handle commercial property claims including business interruption, building damage, and tenant improvement coverage.
🏘️ Landlord & Rental Claims
Texas landlords trust us to maximize rental property claims, including frequently overlooked loss-of-rent coverage.
🚫 Denied & Underpaid Claims
We specialize in reopening denied claims and disputing underpaid settlements across every damage type.
Public Adjuster Texas — Common Questions
How much does a public adjuster cost in Texas?
First Call works on contingency — typically 10-15% of your final settlement, with no upfront fees. See our complete cost breakdown for full details.
Is First Call licensed to work anywhere in Texas?
Yes. Texas public adjuster licenses are statewide, not city-specific. While we're based in North Texas, we're licensed and equipped to handle claims throughout the entire state.
What's the difference between a public adjuster and my insurance company's adjuster?
Your insurance company's adjuster is paid by and works for the insurer. A public adjuster is paid by and works exclusively for you. See our full breakdown of the FAQ page for more.
How do I get started?
Call or text (817) 618-9884 for a free, no-obligation claim review. We'll inspect your property, review your policy, and tell you honestly whether we can help.
Free Claim Review — Anywhere in Texas
No upfront cost. No obligation. Licensed, Haag-certified representation for your insurance claim.