Residential water damage claims are often denied or underpaid.

We provide detailed homeowner insurance claim management and documentation services to expedite and maximize your return.

Let's get started.

Denied or Underpaid Claims and the Cosmetic Exclusion

Let’s face it, going through an insurance claim process can be an overwhelming ordeal. Unless you are a trained insurance claims professional, navigating through the multitude of coverage forms, endorsements and complex verbiage of an insurance contract places you in a clear disadvantage in your claim negotiations. By hiring an experienced public adjuster, you level the field in the claim process. Your public adjuster will guide you through the claim process, a maze of fine print within an insurance contract and keep you informed with any responsibilities that are required by you to maintain compliance with your insurance contract.

Insurance companies hire a team of experts to evaluate, investigate, and either pay for the loss or deny your claim. This team of “hired guns” which consists of adjusters, examiners, and appraisers do not have your best interest at heart. They are hired by the insurance carrier and their allegiance is to the insurance carrier, not you.

Transparent Claims Process

Our promise to you is that if we do not think our contribution to your claim will make a difference in the outcome, we will disclose our beliefs prior to signing a contract, however; we never charge for our first claim consultation.

On the other hand, some homeowners do not have the time or resources essential to precisely document every aspect of their insurance claim loss. Presenting an intricate insurance claim to your insurance carrier, requires a complete and comprehensive understanding of the claim process. Our many years of claim experience will be available to you as we work together toward your claim resolution and presentation to your insurance company.

Your assigned loss consultant/advocate will assist in the following areas of your denied homeowner insurance claim.

  • Completing a through coverage analysis with your Homeowner’s Policy to launch the best possible approach for presenting your claim to the insurance company
  • Accurately developing a complete damage record to support every aspect of your insurance claim
  • Keeping you advised of your responsibilities in mitigating your damages, protecting your property and any time restrictions that may be come into play with your claim
  • Advocating on your behalf with your insurance carrier for the best possible outcome for your insurance claim
  • Keeping you updated and informed throughout the entire claim process
  • Development of a claim strategy through a “hands-on” approach to maximize your claim recovery
  • Develop a detailed claim presentation and file the report with your insurance company
  • Stand firm with conviction as your claim advocate in all inspections with the insurance company adjuster or their selected consultants
  • Constantly striving to expedite the best settlement possible which promotes your peace of mind during the claim process.

Recent Homeowner Damage Articles

Insurance Policy SublimitsInsurance Policy Sublimits

Understanding Sublimits on your Insurance Policy

To untrained eyes, when you are in the process of planning out insurance coverages [...]

Seven Simple Steps to Settle your Insurance Claim

No one expects it will happen to them…but then it does. Loss can seem [...]

Insurance Companies Lobby to Increase Profits and Decrease Consumer Protection

We’re not surprised with the news that insurance companies continue to lobby for increased [...]


We negotiating with adjusters and examiners on your behalf, allowing you to focus on running your business.


We maintain regular communications with you, keeping you informed throughout the entire claims process.

Submit to Insurance

We present a detailed claim file to your insurance company that includes all our estimations and analysis.

Expedite & Maximize

We fight as your advocate at all inspections and consultations with your insurer.

Can’t I Do This On My Own?

According to Bloomberg, “Insurers often pay 30-60% of the cost of rebuilding a damaged home (or business)”.

Only a Public Adjuster can represent you in an insurance claim. The Texas Department of Insurance strictly prohibits roofers and contractors from representing homeowners in their insurance claim.

We are committed public adjusters and passionate about representing your best interests.

By hiring a public adjuster first, we diagnose the cause of loss properly, ensure the proper mitigation companies are in place specific to your loss, get it right the first time, and expedite the entire claims process on your behalf.

Let’s Get Started With Your Complimentary Claims Review

Save Yourself Time With AAPA

We understand how important is for you to focus on your business goals.  Any insurance claim process can delay your productivity and leave you buried in complex negotiations.