Public Adjuster in Texas — Unified Public Advocacy

Few states test an insurance policy like Texas. In a single year the same roof can take spring hail, a summer Gulf system, and a hard winter freeze — and insurers argue each of those losses differently. UPA represents Texas property owners throughout that fight — never the insurance company.

Texans have lived through the full catalog of catastrophic property loss. Hurricane Harvey in 2017 stalled over the Gulf Coast and turned a wind event into one of the most contested wind-versus-water disputes in modern claims history. Winter Storm Uri in February 2021 froze the grid and burst pipes in homes never built for sustained sub-freezing cold, creating a wave of water claims all at once. Hurricane Beryl in 2024 came ashore early and showed the coast how fast a “minor” storm scales. And every spring, the Dallas–Fort Worth corridor absorbs some of the most frequent and severe hail in the country.

UPA is licensed to serve policyholders in Texas. We are a 501(c)(3) non-profit public adjusting firm, and we never take a penny out of a property or business owner's pocket — our fee is covered by the overhead and profit built into the insurance settlement itself.

Texas losses tend to fail in predictable ways. Wind-and-hail roof claims are frequently written down to a repair when the roof needs replacement, or reduced through heavy depreciation and shingle matching disputes. After Harvey, the recurring fight was whether damage came from wind, which is covered, or rising water, which is excluded without separate flood coverage. After Uri, it was which pipe failed and whether the freeze was sudden — questions used to shrink or deny otherwise valid claims.

Many Texas policies carry named-storm or wind and hail percentage deductibles, and some include cosmetic-damage exclusions that carriers lean on to minimize hail claims. Knowing which provisions apply before you file changes how a claim should be documented.

Much of the Texas housing stock — composition-shingle roofs, brick veneer, and slab-on-grade foundations over expansive clay soils — creates loss patterns that first-pass adjusters routinely under-scope, especially hidden moisture, foundation-related movement, and roof damage that is not obvious from the ground.

Texas property claims run the full range — Gulf hurricanes and the coastal wind-versus-water dispute, some of the nation’s most frequent hail along the I-35 corridor, spring tornadoes, and the burst-pipe losses that follow hard winter freezes. Public adjusters in Texas are licensed and regulated by the Texas Department of Insurance and represent the policyholder — not the carrier — in documenting and negotiating these losses. You can verify a license or file a complaint directly with the state regulator.

UPA is a 501(c)(3) non-profit public adjusting firm. A for-profit adjuster's revenue depends on its cut of your claim; our nonprofit model does not. We never take a penny out of a property owner's pocket — our fee is covered by the overhead and profit built into the settlement — so our only interest is documenting your loss fully and pursuing the settlement your policy owes.

Download our Texas Insurance Claim Checklist and the universal guide to the tactics insurers use to hold settlements down — both emailed to you free.

Texas has it all: Gulf hurricanes, some of the country’s worst hailstorms, tornadoes, and hard freezes that burst pipes statewide. Big losses and big claim disputes come with the territory.