Services · DFW
Insurance documentation and adjuster coordination
We are a restoration contractor, not a public adjuster, and Texas law does not allow a contractor to act as one. What we can do, and do well, is make your claim easy to approve by documenting everything properly and being available to your adjuster.
What we do
- Photograph everything before, during and after, in every room, so the condition of the property at each stage is beyond dispute.
- Itemized contents inventory with photographs and condition notes, in the format adjusters expect.
- Moisture maps and daily drying logs that justify every day of equipment on the invoice.
- A written scope of work in standard line-item estimating format, so it can be compared directly with the insurer's own estimate.
- Meet the adjuster on site, walk them through the damage, answer technical questions and supply supplementary documentation when they ask for it.
- Direct billing where your policy and insurer allow it, so you are not fronting the cost of covered work. Your deductible and anything not covered remain your responsibility.
What we do not do
We do not negotiate your settlement, advise you on what your policy covers, argue coverage with your insurer or represent you in a dispute. Under Texas Insurance Code Chapter 4102, those are the functions of a licensed public adjuster, and a contractor who is repairing the property may not perform them. If you need someone to negotiate on your behalf, hire a licensed public adjuster or an attorney; we will work alongside them.
Things worth knowing
- You choose the contractor. Your insurer may suggest a "preferred" vendor. That is a suggestion, not a requirement. Preferred vendors work to the insurer's pricing agreements.
- Read anything that assigns your benefits. An assignment-of-benefits form gives a contractor the right to deal with your insurer directly about your money. We use a work authorization and a direction to pay, not an assignment, and we walk you through what each says.
- Mitigation is expected. Policies require you to prevent further damage. Emergency board-up and drying are that, and the documentation shows it.
- Keep every receipt from the first night: hotel, meals, replacement clothes. Additional living expense coverage is real and often unclaimed.
- Deadlines. Texas policies have reporting and proof-of-loss requirements. Open the claim early.
Not insured, or underinsured?
We work for uninsured owners too, on a written estimate and schedule of payments, and we will tell you honestly where the money goes furthest.
Questions
Asked about insurance documentation & adjuster coordination
Do you bill my insurance company directly?
Where your policy and insurer allow it, yes, for the covered scope. You remain responsible for your deductible, anything the insurer does not cover, and any upgrades you choose.
Will you waive my deductible?
No. Offering to waive or absorb an insurance deductible is illegal in Texas for contractors, and any contractor offering it is telling you something about how they operate.
My insurer's estimate is lower than yours. What happens?
We supply the documentation that explains the difference, line by line, and meet the adjuster to walk through it. Usually that resolves it. If it does not, the dispute is between you and your insurer, and a public adjuster or attorney can represent you; we support them with the records.
Can you tell me if this is covered?
No, and be wary of any contractor who says they can. Only your policy and your insurer can. We can tell you what damage exists and what fixing it involves.
Related
Usually part of the same job
24/7 Emergency Fire Response
Someone answers the phone at 3 a.m. and a crew is on the road. Securing, stabilizing and stopping the damage from getting worse.
Details →Contents Cleaning & Pack-Outs
Inventoried, photographed and packed. Cleaned off-site, stored securely, returned when the property is ready.
Details →Reconstruction & Repairs
One contractor from demolition to final coat of paint. Framing, drywall, electrical and plumbing coordination, finishes.
Details →Fire out. Now what?
Call before you touch anything. We will tell you what to do in the next hour, what not to do, and when a crew can be there. No charge for the call, no obligation for the visit.