Stephen Dwight Hadhazi
Texas Public Adjuster


Texas Public Adjuster
License # 1388578
10311 Emnora
Houston, TX 77043
Tel: (713) 689-9177
Fax: (281) 596-7508

Brownsville Public Adjuster Q & As

Brownsville Public Adjuster Q & As

 

Brownsville Public Adjuster Q & As

Brownsville Public Adjuster Q & As

We understand that it’s not every day when your home or business suffers a catastrophic loss and that you likely have questions about filing your insurance claim and how a public adjuster fits in. We hear the following questions regularly:

Q. Why do I need a Brownsville public adjuster when an adjuster has already verified my losses?
A. That depends on whether or not you’re satisfied that the insurance company’s adjuster was thorough and accurate. Remember proving all of your insurance losses is your responsibility, not the insurance company’s. By hiring a Brownsville public adjuster, you can make sure that all structural damage, property losses, and personal property losses are discovered and claimed. If they are not discovered and claimed, they won’t be compensated by your insurance company.

Q. How much does a Brownsville public insurance adjuster charge?
A. Public insurance adjusters in Brownsville are regulated by the Texas Department of Insurance which dictates how much they charge and how they get paid. By state law, public adjusters in Texas can charge no more than 10 percent of the claim – and they are only paid if a settlement results. Not only that, they are paid out of the settlement, not out of pocket. This means that you do not need to take out a loan or pay out of pocket for these valuable services. Plus, you don’t pay if your claim is denied.

Q. Can I buy an insurance policy from you?
A. While we appreciate that you liked our service and want to provide us with additional business, we are not insurance agents and cannot sell insurance policies. If you’re pleased with us, we do appreciate any recommendations you might give to your friends, family members, neighbors, and business associates.

Q. Can hiring a public adjuster speed my final insurance payment check?
A. It often does. This is because we are well versed in the insurance game. We know which insurance forms are the most urgent and how to fill them out accurately. This can reduce delays by the insurance company. In addition, many insurance adjusters like the fact that a public adjuster has prepared the claim rather than a homeowner. This is because a claims package created by a public adjuster follows established standards and uses similar estimating tools, making it easier for the insurance company adjuster to find what he needs to approve the claim.

Q. Are public adjusters certified or licensed?
A. Yes. Public insurance adjusters in Texas are licensed by the Texas Department of Insurance. This requires passing a licensing exam, posting a $10,000 bond, and maintaining the license through continuing education.