The short answer
Compare the insurer’s estimate line by line with a contractor’s estimate, then send the insurer the differences in writing with evidence. If the gap is large, the claim is complex (commercial, business interruption, several buildings) or talks stall, this is the usual point to bring in a licensed public adjuster, an appraiser or an attorney.
Read the estimate
- Scope: is every damaged area on it?
- Quantities: roof squares, wall area, linear feet. Measurement gaps add up.
- Pricing: are local labor and material costs realistic?
- Depreciation: how much was held back, and how do you recover it once repairs are done?
Ask for a re-inspection or a supplement
Tell the insurer, in writing, what you think was missed and why, with photos and your contractor’s estimate. The Texas Department of Insurance notes the company may have overlooked something and may adjust. Keep a copy of everything you send.
The public adjuster moment
A licensed public adjuster represents you on the claim and charges a fee, usually a share of the payment. It tends to make sense when:
- the insurer’s estimate is well below your contractor’s,
- the claim is large or complex: commercial property, several buildings, business interruption,
- talks have stalled, or you don’t have time to manage the claim.
It usually doesn’t make sense on a small, simple claim, or when the gap is minor. See Do I need a public adjuster? and how public adjuster fees work.
Appraisal for disputes over the amount
Many property policies include an appraisal clause for disagreements over how much the loss is worth. How the appraisal clause works · our appraisal and umpire services.
An attorney for coverage and legal questions
If the insurer says something isn’t covered, or you think the claim was handled in bad faith, that is a legal question. If your claim was denied · public adjuster vs. attorney.
A complaint to your state insurance department
State insurance departments take consumer complaints. In Texas, for example: TDI: Get help with an insurance complaint. Elsewhere, check with your state’s department of insurance.
Sources
Last checked: October 28, 2026. This is general information, not legal advice.
