Public Adjuster Texas vs Insurance Adjuster: Who Fights for You?

In this article, we’ll explore the key differences between a public adjuster Texas and an insurance adjuster provided by your insurer. If you’re a homeowner or business owner trying to decide who should handle your claim, this breakdown will help you understand who’s truly on your side.

When disaster strikes—whether from hail, hurricane, fire, or flood—Texas property owners face the daunting task of filing an insurance claim. Navigating the complex maze of policy language, inspections, estimates, and negotiations can be overwhelming. Two types of professionals typically get involved in this process: public adjusters and insurance adjusters. But who really fights for your best interest?

What Is a Public Adjuster Texas?

A public adjuster is a licensed professional hired by you—the policyholder—to represent your best interests in an insurance claim. Unlike insurance adjusters who work for the insurance company, public adjusters work solely for you.

Key Roles of a Public Adjuster

• Evaluate property damage independently 
• Review your insurance policy for maximum benefits 
• Prepare a detailed claim with estimates 
• Negotiate with the insurance company on your behalf 
• Help recover fair settlements—especially in denied or underpaid claims 

In Texas, public adjusters must be licensed by the Texas Department of Insurance (TDI), which regulates their conduct and ensures they meet ethical standards.

Source: Texas Department of Insurance – Public Adjusters License Info

What Does an Insurance Adjuster in Texas Do?

An insurance adjuster, often called a company or staff adjuster, is assigned by your insurer after a claim is filed. They investigate the damage, assess the payout, and make a recommendation to the insurance company.

Typical Responsibilities of an Insurance Adjuster

• Conduct site inspections of the damage 
• Review policy coverage limits 
• Estimate repair or replacement costs 
• Submit claim reports to the insurance company 
• Determine how much the insurer should pay 

While many adjusters operate professionally, their paycheck comes from the insurance company. That naturally leads to a conflict of interest, especially when large claims are involved.

Texas Laws That Govern Adjusters

Texas law allows policyholders to use licensed public adjusters to represent them in the insurance claims process. Public adjusters must comply with strict rules, including:

• Fiduciary duty to the client (you) 
• Fee disclosure requirements (typically a % of your claim payout) 
• No upfront payments until a contract is signed 

Meanwhile, insurance adjusters are obligated to follow the Texas Prompt Payment of Claims Act, which sets timelines for insurers to acknowledge, investigate, and pay claims. However, many property owners still experience delays or underpayment.

Source: Texas Insurance Code §542

Comparing Public Adjusters and Insurance Adjusters in Texas

Alignment of Interests

Outcome Impact

A study by the OPPAGA (Office of Program Policy Analysis & Government Accountability) in Florida found that claims handled by public adjusters resulted in significantly higher payouts—747% more for hurricane claims.

While this is a Florida study, anecdotal and industry evidence in Texas mirrors these results. Public adjusters often uncover hidden damage, enforce proper interpretation of policy terms, and push back against unfair settlements.

When Should You Hire a Public Adjuster in Texas?

Hiring a public adjuster Texas makes sense when:

• Your claim is large or complex (roof, structural, fire, flood) 
• Your claim has been denied or underpaid 
• You’re overwhelmed by the process 
• The insurance company’s estimate seems too low 
• You’re dealing with business interruption or commercial property 

Public adjusters provide an advocate who understands policy fine print, knows construction costs, and negotiates based on facts—not just what’s convenient for the insurer.

Common Misconceptions About Public Adjusters

“My insurance company will treat me fairly.”

While many companies do, it’s not uncommon for claimants to feel lowballed or pressured to accept less. Having an independent professional ensures you don’t miss critical damage or policy entitlements.

“They’re too expensive.”

Public adjusters typically charge 10% or less of your claim payout. Given that they often help recover significantly higher settlements, the value they add usually outweighs the cost.

“They only get involved after a denial.”

Not true. You can hire a public adjuster right from the beginning to manage the entire process and avoid common mistakes.

How to Choose the Right Public Adjuster in Texas

Choosing the right public adjuster can dramatically affect your claim outcome. Look for:

• License verification on the TDI website 
• Proven track record with similar claims 
• Clear fee structure and no hidden costs 
• Good reviews and testimonials 
• Willingness to communicate and educate you 

Ask questions like:

• How many Texas claims have you handled? 
• Can I see sample estimates and settlements? 
• What’s your turnaround time? 

FAQ: Public Adjuster Texas

What is the difference between a public adjuster and an insurance adjuster Texas?

Answer: A public adjuster represents the policyholder and fights for the highest possible claim payout, while an insurance adjuster represents the insurance company and aims to limit payouts. Both must be licensed in Texas.

How much does a public adjuster charge in Texas?

Answer: Public adjusters in Texas typically charge between 5% to 10% of the final claim payout. This fee must be disclosed in advance and is regulated by state law.

Can I hire a public adjuster after my claim has been denied?

Answer: Yes. Public adjusters can step in after denial or underpayment and help you reopen or dispute the claim for a fair resolution.

Is it legal to use a public adjuster in Texas?

Answer: Absolutely. Texas law supports your right to hire a licensed public adjuster to help you manage and negotiate your claim.

Will hiring a public adjuster delay my claim?

Answer: No, in fact, having a public adjuster often speeds up the process by organizing documentation, pushing for deadlines, and reducing back-and-forth with the insurer.

Are public adjusters only for homeowners?

Answer: No. Public adjusters serve homeowners, renters, and commercial property owners across Texas, handling everything from roof damage to major business losses.

Final Thoughts: Who Fights for You?

When you’re facing significant property damage, the stakes are high. Insurance companies are motivated to minimize payouts, and their adjusters are trained accordingly. By contrast, a public adjuster Texas is your advocate—licensed, experienced, and dedicated to protecting your interests.

Choosing the right professional could mean the difference between a minimal settlement and the full recovery you deserve.

Need Help With Your Insurance Claim?

Don’t let your insurance company control the outcome of your property damage claim. Work with the Best Public Adjuster who puts your interests first and knows how to win the fight for your fair settlement.