When your insurance company underpays, delays, or denies a Texas property claim, William J. Addis represents you — never the insurer — to recover what your policy actually owes.
Texas is one of the most insurance-claim-heavy states in the country. From Gulf Coast hurricanes to North Texas hail to Hill Country flooding, policyholders face an insurance industry that has refined its underpayment playbook over decades.
Common Texas claim types we handle: hurricane and tropical storm damage along the Gulf Coast; hail across DFW, Houston, San Antonio, and Austin; tornado losses; commercial property scope.
Texas insurance claims are complex by design. Statewide hail patterns, hurricane exposure, and aggressive carrier tactics make experienced representation essential.
Texas leads the United States in billion-dollar weather disasters. Between 1980 and 2024, the state experienced 190 confirmed billion-dollar weather events — a concentration that has increased sharply in recent years. The combination of geography and population growth has turned what used to be regional events into statewide insurance crises.
A few patterns drive most of the claims we see:
According to the National Weather Service, large hail, damaging winds, flooding, and tornadoes occur nearly every year in the Dallas/Fort Worth Metroplex, but a specific location is unlikely to experience all of these events every year.
Gulf Coast hurricane and windstorm exposure. Coastal counties from Brownsville to Beaumont face hurricane and tropical storm losses on top of standard wind exposure. Standard homeowners policies in many Texas coastal counties exclude wind and hail damage entirely; coverage runs through the Texas Windstorm Insurance Association (TWIA), which has its own claim procedures, deductibles, and disputes. Wind-versus-flood determinations on coastal claims are some of the most contested questions in property insurance.
Central Texas and Hill Country flash flooding. The Hill Country regularly produces some of the most severe flash floods in the country. Standard homeowners insurance does not cover flooding; that coverage is separate, through the National Flood Insurance Program. We see Texas claims constantly that get denied on flood grounds when the actual damage was wind-driven rain — a distinction worth fighting for.
Tornado and severe convective storm activity. Texas recorded over 100 confirmed tornadoes in 2024, the highest count in the nation. The January 2023 tornado outbreak around Houston caused approximately $4.6 billion in insured losses on its own. Texas tornado claims often involve total losses or near-total losses, and the documentation work is substantial.
Winter Storm Uri and freeze claims. The February 2021 freeze produced a level of pipe-burst, water, and additional living expense claims that the Texas market is still working through. Frozen pipe claims continue to surface years later as secondary damage emerges. Texas residents filed more than $58 million in frozen pipe claims with State Farm alone in a single 12-month period.
Texas wind/hail deductibles are usually written as a percentage of the dwelling value (1%, 2%, sometimes 5%) rather than a flat dollar amount. A homeowner with a $400,000 dwelling on a 2% wind/hail deductible has $8,000 of out-of-pocket exposure on every storm claim. The single most common issue we resolve: carrier estimates that miss matching, code upgrades, or cumulative slope damage on a partial roof.
Coastal Texas claims often involve simultaneous wind, surge, and rain damage, with the carrier's coverage position depending on which cause they assign. Properly documenting the cause-of-loss timeline is the most important work on these claims.
Texas commercial policies almost always include business interruption and extra expense coverage. These losses are routinely undervalued because the calculation requires actual financial records, not just physical scope. We've recovered seven figures on commercial Texas claims that started with carrier offers a fraction of the eventual settlement.
Apartment complexes, condominium associations, and HOA-managed communities have policies that interact with unit-owner policies. Storm damage that affects multiple buildings simultaneously requires coordinated documentation and unit-by-unit scope. Carriers often attempt to settle these as single-building claims.
Beyond Winter Storm Uri, Texas freeze claims continue to be filed as secondary damage emerges. Mold, structural compromise, and HVAC damage downstream of a pipe burst are often missed in the initial scope and require supplementation.
Tornado claims involve the full Coverage A dwelling limit, Coverage B other structures, Coverage C personal property, and Coverage D loss of use. Each coverage line requires its own documentation. Carriers regularly underpay on contents (Coverage C) and additional living expenses (Coverage D) even on otherwise well-handled total losses.
Texas regulates public adjusters more strictly than most states. The Texas Department of Insurance (TDI) enforces these rules under Chapter 4102 of the Texas Insurance Code:
If a contractor or roofer offers to "handle the claim for you," that's a red flag in Texas. Negotiating insurance claims for compensation without a TDI public adjuster license is illegal in Texas. The same applies to anyone calling themselves a "claims consultant" or "policy specialist" without showing you a current TDI license number.
Texas's largest homeowners insurance writers, by market share, include:
Each carrier has its own claim philosophy, internal scoping standards, and negotiation tendencies. We've worked claims with all of them. Knowing which carrier you're dealing with affects how a claim should be documented, what arguments tend to land, and where the carrier's typical sticking points are.
Texas homeowners insurance premiums have risen sharply — homeowners experienced an average increase of more than 28% from 2022 to 2023, the largest rate hike in the country. Several major carriers have tightened their underwriting standards, declined to renew policies on older roofs, and increased wind/hail deductibles. The combination means more homeowners are paying more for coverage that pays out more reluctantly when a storm hits.
Most Texas property insurance policies require prompt notice of loss — typically interpreted as within 30 to 60 days. The hard deadline to file a lawsuit on a denied or underpaid claim is generally two years from the date of loss in Texas, though this varies by policy and carrier. If you're past the prompt-notice window, you may still have options through supplemental claims or the appraisal process — don't assume your claim is over because some time has passed.
Texas homeowners policies typically include a separate wind/hail deductible expressed as a percentage of the dwelling value (1%, 2%, or 5% are common) rather than a flat dollar amount. On a $400,000 home with a 2% wind/hail deductible, you have $8,000 of out-of-pocket exposure before coverage applies on a hail claim. This deductible structure has spread across most of the state in recent years as carriers respond to increasing hail losses. Check your declarations page — your wind/hail deductible may be different from your standard deductible.
If your property is in a Texas coastal county, your wind and hail coverage may be through TWIA rather than a standard carrier. TWIA has its own claim procedures, its own dispute process, and its own appraisal mechanism. TWIA claims are subject to specific deadlines and statutory requirements that differ from standard carrier claims. We represent TWIA policyholders and understand how to navigate TWIA's specific processes.
Often, yes. If you had a hail claim that you settled for less than the actual cost to repair, supplemental claims are usually available within the policy's notice and suit-limitation periods. Many Texas homeowners settled the 2023 DFW hail claims for amounts that didn't reflect the full damage; supplemental claims for the same event are still being filed and resolved. Send us your settlement letter and the carrier's estimate and we'll tell you whether reopening is viable.
For policies issued or renewed after January 1, 2026, Texas residential property insurance must include an appraisal provision — a formal mechanism for resolving disputes about the amount of a loss without filing a lawsuit. Each side picks an appraiser, the two appraisers select a neutral umpire, and the panel decides the value. This is significant: it gives Texas policyholders a structured path to challenge undervalued estimates that didn't reliably exist before. We use appraisal strategically when documentation alone hasn't moved the carrier.
Texas law caps public adjuster fees at 10% of the claim payment — by statute. Any contract that charges more is unenforceable. There are no upfront fees and no out-of-pocket costs to the policyholder. The fee is contingent on recovery, agreed in writing before work begins, and paid only after the carrier issues the settlement.
Non-renewal after a claim is a separate issue from the claim itself, but they're often linked in Texas. If your carrier non-renews, the existing claim still proceeds — non-renewal doesn't release the carrier from its obligation under the in-force policy when the loss occurred. We help clients with active claims continue through the resolution process even when the policy is being non-renewed for the next term.
Important Texas disclosure
This page is an advertisement and a solicitation for public adjusting business by William J. Addis, licensed public adjuster (individual license #2784759). If you have an existing claim and are satisfied with your insurance carrier's offer, you may disregard this advertisement. Hiring a public adjuster is your choice — you have the right to negotiate your own claim, hire an attorney instead, or proceed without representation.
William J. Addis is licensed as a non-resident public insurance adjuster in Texas (license #2784759).
Public adjuster fees, contract terms, cancellation rights, and conduct standards are regulated by Texas law. Before signing any public adjuster contract, you have the right to review the contract terms, ask questions about the fee structure and services, and seek independent legal advice if desired. Texas requires written contracts for all public adjusting services; you should never pay a public adjuster before claim settlement, and you should never sign a contract that doesn't clearly state the fee.
Past results described on this website reflect outcomes achieved in specific prior claims; they are not guarantees, predictions, or warranties of future outcomes. Each claim is unique, and the outcome depends on the policy language, the facts of the loss, the carrier's position, and other factors that cannot be predicted in advance. Resolution Claims Consulting, LLC is licensed as a public adjusting firm in Illinois, Rhode Island, Colorado and Minnesota. In Texas, services are provided by William J. Addis under his individual license. We are not attorneys and do not provide legal services. If your claim involves a legal dispute that requires litigation, we may recommend you consult with a licensed attorney.
Verify our license through the Texas insurance regulator. License lookup links and contact information for the Texas insurance department are available on our Legal Disclaimers page.
The Texas-specific information on this page draws on the following authoritative sources. Regulations, statutes, and market data are accurate as of publication; verify current rules with the linked regulators before relying on this information for a specific claim.
Tell us briefly what happened. We will review your policy and the insurer’s offer, then tell you straight whether there is more to recover — and how much.
This website advertises public insurance adjusting services. In Colorado, Illinois, Minnesota, and Rhode Island, services are provided by Resolution Claims Consulting, LLC, a licensed public adjusting firm. In Kansas, Kentucky, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and Wisconsin, services are provided by William J. Addis as an individually licensed public insurance adjuster. Kentucky law currently bars public adjusters from negotiating with insurers (KRS 304.9-4331(7)), so we are not accepting Kentucky claims at this time. Both Resolution Claims Consulting and William J. Addis work only on behalf of policyholders and represent no insurance company. Public adjusters are not employees of any state, federal agency, or insurance carrier. Public adjuster services are not free; fees are paid by the insured, typically as a percentage of the recovery agreed in writing before work begins, and are subject to applicable state fee caps and statutes.
All recovery amounts, case studies, and settlement figures shown on this site reflect actual outcomes achieved by Resolution Claims Consulting, LLC for past clients. Client and carrier identities have been anonymized. Past results do not guarantee, predict, or imply any specific outcome on a future claim. Each insurance claim is unique. Outcomes depend on the policy language, the facts of the loss, applicable state law, the carrier's position, and many other factors that vary case to case.
Resolution Claims Consulting, LLC — Firm NPN 20764010. Licensed as a public adjusting firm in 4 states: Colorado #803346, Illinois #3002593563, Minnesota #40893260, Rhode Island #3003758028. Resolution Claims Consulting, LLC does not hold firm licenses in other states. William J. Addis — Individual NPN 18667143. Licensed as an individual public adjuster in 18 states: CO #559485, IL #18667143, KS #18667143, KY #1076611, MN #40771302, MO #8428075, NE #18667143, NV #3876040, OH #1743364, OK #3001586244, PA #1262857, RI #3003745104, SC #18667143, TN #3003380591, TX #2784759, UT #1084108, WA #1320332, WI #18667143. All licenses verifiable through each state's department of insurance public license lookup.
Every state's Department of Insurance offers free consumer assistance with insurance claims and disputes — you are not required to hire a public adjuster to file or pursue a claim. Contact your state Department of Insurance directly if you have questions about a claim or about working with a public adjuster.
