Hire a Licensed Public Adjuster in The Woodlands
Towering pines, winding trails, and waterway views make The Woodlands a great place to call home—right up until a storm drops one of those pines on your roof. When Hurricane Beryl toppled trees and knocked out power across Montgomery County in 2024, plenty of local homeowners learned just how complicated a property insurance claim can get. That’s why more and more Woodlands property owners are calling a Public Adjuster.
What is a Public Adjuster?
A Public Adjuster is a licensed insurance claim professional who works for the policyholder—you—not the insurance company. A Texas Public Insurance Adjuster can inspect and document your damage, review your policy, prepare your claim, and negotiate with your carrier on your behalf.
What Does Texas Law Say About Public Adjusters?
Texas regulates Public Adjusters under Chapter 4102 of the Texas Insurance Code, and the Texas Department of Insurance (TDI) enforces it. Here’s what that means for you:
- Every Public Adjuster working in Texas must hold a TDI license, which you can look up on the TDI website.
- Your contract must be on a TDI-approved form and state, in bold, “We represent the insured only.”
- You can cancel the contract for any reason with written notice within 72 hours of signing.
- Total fees, including expenses, can’t exceed 10% of your insurance settlement.
- Your Public Adjuster can’t take part in repairing or rebuilding your property.
Trusted Public Adjuster Help in The Woodlands
If you want a reputable Public Adjuster in The Woodlands, Spring, or Conroe, call Tiger Adjusters®. A licensed Public Adjuster will inspect your property and review your policy free of charge, with no obligation to sign. Tiger Adjusters® is part of a nationwide network of licensed claim professionals who aren’t afraid to push back when your carrier comes in low.
Before hiring any Public Adjuster, look up their license on the Texas Department of Insurance website.
Texas gives you 72 hours after signing to cancel a Public Adjuster contract for any reason.
Public Adjuster fees in Texas are capped at 10% of your total settlement, expenses included.
Texas law requires a written contract on a state-approved form before a Public Adjuster starts work.
Your Public Adjuster handles your claim, not your repairs—Texas law keeps those two jobs separate.
Did your insurer pay policy limits fast? Texas law may limit what a Public Adjuster can charge.
Your contract must explain how your Public Adjuster is paid—hourly, flat fee, or a percentage of the settlement—and describe the services they’ll provide. It must also display, in bold type, “We represent the insured only.” If anything in the contract isn’t clear, ask before you sign.
To prevent conflicts of interest, Texas bars Public Adjusters from taking part in the repair, restoration, or reconstruction of property they’re adjusting. Your adjuster has no stake in the repair bill; their only job is making sure your claim reflects the full cost of your damage.
If your insurer pays, or commits in writing to pay, your policy limits within 72 hours of the loss being reported, a Public Adjuster can’t charge a percentage fee. They’re limited to reasonable compensation for the time and expenses they put in up to that point.
Brian Davis
Owner/ Operator and Public Adjuster
Woodlands, Texas
TX #3527446
(346) 601-8525