Houston Public Adjusters for Commercial and Residential Claims

The carrier valued this Hurricane Ian loss below the policy deductible, effectively offering nothing. After the appraisal clause was invoked and DCS served as the policyholder appraiser, the appraisal panel issued an award of $1,427,372.70. The award rested on the inspection, scope, and pricing in the record.

A 50-year State Farm customer had major portions of their Beryl claim denied. A large tree struck the front of the house with multiple limb penetrations and water flowed into seven rooms. DCS documented the full scope, and the partial denial was reversed. The final settlement included a new roof, new A/C unit, and full damage payments.

A Galveston homeowner with Texas Windstorm Insurance Association (TWIA) coverage received an initial offer several times smaller than the actual damage warranted. DCS negotiated the settlement up using detailed documentation and construction knowledge.

A late-December 2024 tornado swept through Spring and damaged the home. The initial Homesite scope captured only a fraction of the actual structural and roof-decking damage. DCS lifted shingles, documented fastener pull-through, and built a supplement that raised the settlement from $21,682.74 to $122,602.83, about 5.65 times the first offer.

Extensive concealed water damage from a failed HVAC condensation line. The initial Homeowners of America offer did not account for the full scope of subflooring, wall cavity, and cabinet damage. DCS documented the cause of the leak and the damage trail and negotiated a final settlement at least 25 times the initial offer.

Allstate denied the plumbing leak claim in full on wear-and-tear grounds. DCS assembled engineering causation evidence, documented the carrier timeline, and negotiated a full reversal to the policy limit.

The initial State Farm offer on a hail-and-roof-leak claim captured only visible surface damage. DCS documented the true scope of roof decking, fastener pull-through, and interior water damage from the resulting leak. The final settlement was about 6.5 times the initial offer.

A tree fell on the home during Hurricane Beryl, causing major structural and interior water damage. DCS was engaged from the first day of the claim and documented dwelling, ALE (loss of use), and personal property across all coverages.

A failed toilet supply line caused extensive water damage across multiple rooms. DCS was engaged from day one and presented a documented claim including subfloor, cabinet, and framing damage.

A plumbing supply line leak caused extensive water damage, but the carrier's initial estimates came in far below the documented restoration scope. Through the formal appraisal process, with DCS serving as the party-appointed appraiser, the panel issued a binding award of $103,598.14 reflecting the documented cost of repair, $76,106.16 above the carrier's initial estimate.

The carrier's initial assessment of this loss was $15,644.10. Through the formal appraisal process, with DCS serving as the party-appointed appraiser, the panel issued a binding award of $97,913.50 reflecting the documented cost of repair, based on the evidence in the record.

The initial Texas Fair Plan scope for this Hurricane Beryl claim came in well below the wind and storm damage. Acting as the public adjuster, DCS documented and negotiated the full extent of the property loss, and the final settlement rose by over $81,000.

Hurricane Ian heavily damaged Sanibel Island, and the carrier's initial offers fell well short of the destruction. Acting as the public adjuster, DCS scoped and negotiated the wind and structural damage, and the final settlement rose by over $181,000 to cover the rebuild.