We represent policyholders, never insurers
Texas public adjuster for homeowners and businesses
When your insurer's estimate doesn't cover the real damage, we document the full loss, build a line-by-line estimate and negotiate the claim for you. No upfront fees.
- TDI license #3356839
- Fees capped at 10% by law
- Statewide service
Free claim review
Tell us what happened. A licensed Texas public adjuster will tell you whether your estimate, denial or payment deserves a second look.
Claims we handle
Residential and commercial property claims, start to finish
Whether the claim is new, stalled, underpaid or denied, your Texas public adjuster takes over the documentation and the negotiation.
Live Texas weather
Texas storm watch
Live National Weather Service alerts and forecasts. When severe weather hits, a Texas public adjuster's advice is the same every time: stay safe, then document the damage before anything is repaired or thrown away.
Forecast
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Active Texas alerts
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Data: National Weather Service (api.weather.gov) and NWS Local Storm Reports via the Iowa Environmental Mesonet. Updated live; always follow official warnings.
Why it matters
The adjuster your insurer sends works for the insurer
That isn't a conspiracy; it's the job. The carrier's adjuster scopes the loss for the company that pays it. A Texas public adjuster is the only adjuster legally hired by, and working for, you.
Most underpaid claims aren't denied outright. They're short: a missing roof slope, no code items, drywall patched instead of replaced, or contents depreciated to nothing. We find those gaps and prove them.
Public vs. company vs. independent adjustersInsurance company adjuster
- Hired and paid by the insurer
- Often handling dozens of claims after a storm
- Scope limited to what they see on one visit
- Settles under the carrier's guidelines
Your Texas public adjuster
- Hired by you, legally required to represent only you
- Room-by-room, slope-by-slope documentation
- Independent Xactimate estimate and policy review
- Negotiates, re-inspects, supplements and, if needed, goes to appraisal
How it works
A clear process from first call to final check
Here's what working with a Texas public adjuster looks like, step by step.
- 1
Free claim review
Send the estimate, denial letter or photos. We tell you honestly whether there's money left on the table.
- 2
Inspection & documentation
Roof-level photos, measurements, moisture readings and Matterport 3D scans where they help.
- 3
Policy review
Declarations, endorsements, deductibles and exclusions, so we claim everything the policy actually covers.
- 4
Detailed estimate
A line-item Xactimate estimate, including the items carriers routinely leave out.
- 5
Negotiation
We handle the carrier: re-inspections, supplements and, when the numbers won't move, appraisal.
- 6
Settlement
The insurer pays with you named on every check. A Texas public adjuster's fee is the agreed percentage, never more than 10%.
License #3356839
Meet your adjuster
Joseph Dittman, licensed Texas public adjuster
Joseph leads TX Public Adjusting, the public adjusting practice of Rise Public Adjusting LLC. When you hire a Texas public adjuster from our firm, you work with Joseph directly, not a call center.
- Licensed by the Texas Department of Insurance (#3356839)
- Xactimate estimates, the same software insurers use
- Matterport 3D scans and roof-level photo documentation
- Based in Belton, inspecting properties across Texas
Free claim tools
Check your claim yourself, before you call anyone
Built by a Texas public adjuster for Texas policyholders. No sign-up, and nothing you enter leaves your browser.
Service areas
One licensed Texas public adjuster for all 254 counties
We're based in Belton, in Bell County, and travel to inspect properties statewide. Claims play out differently by region: hurricanes and TWIA on the coast, hail in the Panhandle and North Texas, freezes and burst pipes everywhere. Our regional pages cover what matters in each.
Know your rights
Texas law puts your insurer on a clock
The Texas prompt payment of claims rules (Insurance Code Chapter 542) set hard deadlines. Most policyholders never hear about them.
days to acknowledge your claim and start investigating
business days to accept or reject once they have everything they asked for
business days to pay after accepting the claim
maximum Texas public adjuster fee under state law
Claim guides
Plain-English answers from a Texas public adjuster
Claim ProcessHow to document damage for your claimA practical method for claim photos, video, a damage diary, receipts, mitigation records, contents lists and storm-date proof, organized into one claim file.Read more 
Hail & RoofAppraisal for a hail damage claimHow the appraisal clause settles Texas hail claim disputes: when to invoke it, choosing an appraiser, the umpire, who pays, and what appraisal can't decide.Read more 
Hail & RoofWhat to do after a denied hail damage claimWhy Texas hail claims get denied, how to get the claim file, ask for a re-inspection or reopen the claim, and when TDI, appraisal or a lawyer fits.Read more Questions to ask a Texas public adjuster
What does a public adjuster do?
A public adjuster is a licensed professional who represents you, the policyholder, on a property insurance claim. We inspect and document the damage, read the policy, write a detailed estimate, and negotiate with your insurance company. The insurer's adjuster works for the insurer. Read the full guide.
How much does a Texas public adjuster cost?
We work on contingency: a percentage of what the insurer pays on the claim, agreed in writing up front. There's no upfront fee, and Texas law caps public adjuster fees at 10% of the settlement. How fees work.
Is it too late if I already filed my claim or got a payment?
Usually not. Many people call us after a low estimate, a partial payment or a denial. What matters is your policy's deadlines and the claim's status. When it is (and isn't) too late.
Do you only work in one city?
No. We're based in Belton and handle residential and commercial claims statewide, from El Paso to Beaumont and Amarillo to the Rio Grande Valley.
Can my roofer handle the insurance claim instead?
Not legally. Texas Insurance Code §4102.163 bars contractors from acting as public adjusters on property they may repair. We can work alongside the contractor you choose. Why the law separates the two.
When should I call a Texas public adjuster?
Call when the loss is large, the estimate looks short, the claim is stalled, or the insurer denied something you believe is covered. A Texas public adjuster can also help before you file, so the damage is documented properly from day one.
Can I cancel if I change my mind?
Yes. Every Texas public adjuster contract must let you rescind in writing within 72 hours of signing (§4102.103).