Question 1

What does a public adjuster do?

Accepted Answer

A public adjuster is a licensed professional who works exclusively for policyholders, not insurance companies, to help navigate the claims process. We inspect your property damage, document losses, prepare and present your claim, and negotiate with your insurance company to help ensure you receive the full settlement you are entitled to under your policy.

Question 2

How is a public adjuster different from an insurance company adjuster?

Accepted Answer

An insurance company adjuster works for the insurance company and represents their interests. A public adjuster works exclusively for you, the policyholder, and represents your interests throughout the entire claims process. We are licensed, bonded, and regulated by the state.

Question 3

How much does a public adjuster cost?

Accepted Answer

We work on a contingency fee basis, meaning we only get paid when we help you recover money on your claim. Our fee is a percentage of the settlement amount. There is no upfront cost, and if we do not help increase your settlement, you owe us nothing.

Question 4

When should I hire a public adjuster?

Accepted Answer

You can hire a public adjuster at any stage of your claim, before filing, after receiving an offer you believe is insufficient, or if your claim has been denied. The sooner you involve us, the better positioned we are to document all damage and present a thorough claim.

Question 5

What types of claims do you handle?

Accepted Answer

We handle all types of residential and commercial property damage claims, including hurricane, hail, wind, fire, water, flood, roof leak, plumbing, mold, tornado, freeze, lightning, theft, vandalism, and denied or underpaid claims. We serve policyholders throughout Texas and South Florida.

Question 6

How long does the claims process take?

Accepted Answer

The timeline for an insurance claim is determined by the insurance company and varies based on the complexity of the damage, the insurer workload, and other factors outside our control. What we can do is ensure your claim is thoroughly documented and properly submitted to help avoid unnecessary delays caused by incomplete information.

Question 7

What if my claim has already been denied?

Accepted Answer

A denial is not necessarily final. Many claims are initially denied on technicalities or due to incomplete documentation. We can review your denial, identify the basis for it, and work to reopen and appeal the claim with proper evidence and documentation.

Question 8

Are you licensed in Texas and Florida?

Accepted Answer

Yes. Dependable Claims Specialists Public Adjusters is fully licensed and bonded in both Texas and Florida. We operate in compliance with all state regulations governing public adjusters in both states.

Question 9

Do I have obligations under my insurance policy after a loss?

Accepted Answer

Yes, and this is critically important. Your policy requires you to promptly report the loss, protect the property from further damage, document all damage thoroughly, preserve damaged items, and cooperate fully with your insurer. Failing to meet these duties can jeopardize your claim. We help you understand and fulfill every obligation so your claim stays on solid ground.

Question 10

Do you serve the Houston area and surrounding counties?

Accepted Answer

Yes. We serve the entire Greater Houston area including Harris, Montgomery, Galveston, Brazoria, Chambers, Fort Bend, Liberty, and Waller counties. With over 110 communities in our Texas service area, we are the public adjuster near you in the Houston metro. Call 833-4UR-LOSS for a free consultation.

Question 11

Do you handle insurance claims in South Florida?

Accepted Answer

Yes. We are fully licensed in Florida and serve Palm Beach, Broward, Miami-Dade, Lee, and Collier counties. This includes Fort Lauderdale, Miami, West Palm Beach, Boca Raton, Naples, Fort Myers, and over 40 additional communities across South Florida. If you need a public adjuster near you in South Florida, call us for a free consultation.

Question 12

How do I find a public adjuster near me?

Accepted Answer

Dependable Claims Specialists serves both Texas and Florida. In Texas, we cover the Greater Houston area across 8 counties. In Florida, we serve South Florida from Palm Beach County down through Collier County on the Gulf Coast. Call 833-4UR-LOSS or schedule a free consultation online to confirm we serve your area.

Fight for Every Dollar
Your Policy May Owe You.

Get a Free Claim Review

You Paid for This Coverage.
Now Let Us Help You Collect It.

Fight for Every DollarYour Policy May Owe You.

Get a Free Claim Review

You Paid for This Coverage.Now Let Us Help You Collect It.

Fight for Every Dollar
Your Policy May Owe You.

You Paid for This Coverage.
Now Let Us Help You Collect It.