Licensed Public Adjusters in Texas

Texas weather is relentless and unpredictable. The state spans multiple climate zones, and the Gulf Coast region where DCS is headquartered experiences the full spectrum of severe weather events throughout the year.

Hurricane Season (June 1 – November 30): The Texas Gulf Coast is a primary target for Atlantic hurricanes and tropical storms. Galveston, Chambers, and Brazoria counties face direct landfall risk, while Harris, Fort Bend, and Montgomery counties are hammered by catastrophic rainfall and wind even from storms that make landfall hundreds of miles away. Hurricane-force winds strip roofs, topple trees, shatter windows, and drive rain into structures. Storm surge along the coast can destroy everything in its path. Even tropical storms that never reach hurricane strength routinely dump 10 to 20 inches of rain on the region, flooding thousands of homes.

Hail Season (March – June): Severe thunderstorms roll through the Greater Houston area regularly during spring, producing damaging hail that ranges from marble to softball size. A single hailstorm can damage tens of thousands of roofs in a matter of minutes. Insurance carriers receive such a high volume of hail claims in Texas that they often rush adjustments, undervalue damage, or use preferred vendors who provide lowball estimates. Homeowners who accept the first offer frequently leave thousands of dollars on the table.

Tornadoes and Straight-Line Winds: The Houston metro is not in Tornado Alley, but it is no stranger to tornadoes. EF-0 through EF-2 tornadoes strike Harris, Montgomery, Liberty, and Waller counties multiple times per year, often embedded in larger supercell thunderstorms. Straight-line winds from derechos and severe thunderstorms can exceed 80 mph, causing widespread roof damage, fence destruction, and tree falls that damage structures.

Freeze Events: Winter Storm Uri in 2021 proved that even Texas is not immune to catastrophic freeze damage. Burst pipes, cracked foundations, damaged HVAC systems, and collapsed ceilings from water damage affected homes in every county we serve. The resulting insurance claims were among the most contentious in Texas history, with carriers denying claims for “wear and tear,” insufficient “maintenance,” or alleging pre-existing conditions.

Flash Flooding: Harris County is the flash flood capital of the United States. The region’s flat topography, clay soils, and extensive impervious surfaces mean that heavy rain has nowhere to go. Flash flooding damages homes that are nowhere near a floodplain and catches homeowners off guard who may not carry flood insurance. Even for those who do, NFIP flood claims require careful documentation to receive fair settlements.