Texas Public Adjuster Guide: Rights, Statutes & How to Protect Your Claim
When your property is damaged by hail, wind, fire, or water damage, filing an insurance claim can feel overwhelming. Insurance companies have adjusters working for them, but as a policyholder, you also have the right to hire your own advocate. That advocate is a licensed public insurance adjuster.
In Texas, public adjusters are regulated under state law, and their responsibilities, limits, and requirements are clearly defined. This guide explains what public adjusters do, your rights when hiring one, and how to protect your claim from the very beginning.
What a Public Adjuster Does, and When You Might Need One
A public adjuster works only for the policyholder, not the insurance company. They help by:
- Inspecting and documenting damaged property
- Preparing the claim package
- Reviewing your insurance policy
- Negotiating with the insurance company
- Guiding you through communications and deadlines
If the damage is major or complex hail damage, fire loss, widespread water intrusion, or business interruption a public adjuster can greatly improve your chances of receiving a fair settlement.
Key Texas Laws and Licensing Requirements
Texas strictly regulates public adjusters through the Texas Department of Insurance (TDI). Here are the most important rules to know:
1. License Required
Under Texas Insurance Code 4102, a person may not act as a public insurance adjuster unless they are licensed in Texas.
2. Written Contract Required
A written contract must be signed by both you and the adjuster before any services can begin. Texas Administrative Code outlines the specific disclosures that must appear in this contract.
3. Fee Structure Must Be Clear and Disclosed
The contract must clearly state whether the adjuster charges a percentage, flat fee, or hourly rate. Texas limits the maximum percentage an adjuster may charge.
4. No Conflicts of Interest
A public adjuster may NOT:
- Repair or restore the property they’re adjusting
- Accept referral fees from contractors
- Be financially tied to restoration firms
This prevents adjusters from profiting twice from the same loss.
5. Solicitation Rules
Texas has strict guidelines on how public adjusters may solicit clients. Harassing or overly aggressive solicitation is prohibited.
Your Rights When Hiring a Texas Public Adjuster
Before signing anything, you have the right to:
- Verify the adjuster’s license with TDI
- Ask for a full explanation of fees
- Refuse any contractor recommendations if they seem related
- Read and understand all disclosures
- Cancel contracts according to Texas requirements
- Receive copies of all documents related to your claim
If something feels unclear or pressured, stop and ask questions.
What to Ask Before You Hire One
To protect yourself and your claim, ask these important questions:
- Are you licensed in Texas?
- What is your exact fee? Is it capped?
- Do you have any relationships with contractors or restoration companies?
- What services are included in your fee?
- Will you handle communication and negotiation with my insurance company?
- What happens if the insurer denies or underpays the claim?
The answers will tell you if you’re working with a qualified, ethical adjuster.
How to Protect Your Claim from the Start
Whether you hire a public adjuster or not, here’s how to strengthen your claim:
- Document damage immediately with photos and videos
- Keep receipts for temporary repairs and emergency expenses
- Save damaged materials until the insurer approves disposal
- Notify your insurer quickly
- Request a full copy of your insurance policy
- Keep a detailed log of conversations with your insurer
- Meet all deadlines listed in your policy
A well-documented claim is harder for an insurance company to dispute.
- Document damage immediately with photos and videos
When Hiring a Public Adjuster Makes a Big Difference
A public adjuster can be especially valuable when:
- The insurer’s first offer seems low
- The damage involves roofing, structure, or hidden water damage
- Multiple buildings or units are affected
- Business income is lost
- You don’t have time to manage paperwork and negotiations
- The claim is denied or partially denied
Large and complex losses often require professional help to ensure you’re not leaving money on the table.
How Mission PLC Helps Texas Property Owners
Mission PLC works only for the insured. We understand Texas insurance laws, local building codes, and the unique challenges property owners face after major losses. Whether your claim is new, ongoing, or denied, we can:
- Review your policy
- Evaluate your damage
- Explain your legal rights
- Recommend whether a public adjuster is needed
- Help you avoid mistakes in communication and documentation
Our goal is to protect your interests — from first inspection to final settlement.
Ready to Protect Your Texas Property Claim?
If you’ve experienced property damage and need guidance, Mission PLC is here to help.
We’ll review your situation, explain your rights, and help you take the next step toward a fair and complete insurance recovery.
