Finding yourself in the claims process can be a daunting thing. Much like insurance adjusters works for the insurance company. Public adjusters work for the people. When your commercial property or business is damaged, our public adjusters get your business back up and running sooner. A public insurance adjuster can help you value, file, and negotiate your commercial property insurance claim so you get a fair settlement to restore business operations.
Blackstone Claim Services has over 20+ years of experience in the public adjusting and insurance industry helping home and property owners get fair settlements from their insurance company.
We Work For You
When your property is damaged or destroyed, Public Adjusters help navigate the homeowners insurance claims process and get you the money you need to repair your property. As licensed public adjusters we work for YOU, not the insurance company. Our goal is to make sure you get everything to which you are entitled.
We Manage The Claim Process For You
We provide specialized expertise that will simplify and speed up the complicated and time-consuming process of making and settling an insurance claim. We’ve been through the process thousands of times and handle meeting scheduling, follow ups, deadline tracking, proper documentation, and more!
We Negotiate On Your Behalf
When the insurance company wants to negotiate, we step in with expertise, understanding of jargon, and knowledge of processes and procedures in which to effectively estimate and negotiate for your loss. This provides you leverage and a position of strength instead of confusion and frustration.
We Get You The Settlement You Deserve
At our core, we are advocates for you and yours within the context of your insurance claim. Our mission is to hold the insurance company accountable to their contract with you, ensuring that you receive every dollar which you are owed on your loss.
Types Of Claims We Specialize In
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What Is A Public Adjuster?
A public adjuster represents an insured home or commercial property owner in the preparation, presentation and settlement of a property insurance claim.
Why Hire A Public Adjuster?
A policyholder is required, under their policy, to prove a loss to their carrier. Few people have the necessary expertise or experience to meet that burden. A public adjuster has studied insurance policies and been licensed by the State of Texas to represent policyholders as their claim advocate. They understand concepts related to current replacement cost, property repair, business income loss, and other elements of property loss that are critical to getting a fair and proper settlement.
What should I expect my PA to do?
- Carefully review your insurance policy. Insurance policies can be long, detailed, and sometimes difficult to understand. Policies can change from year-to-year and often require that insurance claims meet specific conditions. Not meeting the conditions can result in your claim being denied or reduced payments for the property loss. A public adjuster makes sure that a claim meets all the requirements of your policy.
- Thoroughly document your loss. The public adjuster should prepare your claim, including all estimates, inventories, photographs, and other factual information that is required to prove the extent of your loss. They can inspect your property loss and submit a Notice of Loss to your insurance company.
- Work with the insurance company adjuster to agree on the proper amount owed to you. Usually, the public adjuster and company adjuster settle the claim without controversy.
How much do public adjusters charge?
Responsible public adjusters often base their fees on a percentage of the final settlement- based on the time, energy, and expertise required to effectively represent their client.
Important: In Texas, a PA’s fee is capped at 10% of the settlement of the claim.
Fees are negotiable and are usually based on the size, location, and complexity of the property loss. Some public adjusters charge flat or hourly rates, but the total fee may not exceed 10% of the settlement of the claim. Much like accountants, realtors, and other professional consultants, public adjusters offset their fees in the time they save their clients and in the amount of the claim recovery. The public adjuster does not receive a fee until the insurance company pays your claim.
What if my contractor offers to handle my insurance claim?
By law, contractors — including roofing and restoration contractors — may not negotiate your claim with your insurance company. And, contractors may not hire adjusters to handle your claim. Insurance adjusting, especially public adjusting, requires special training and a license issued by the Texas Department of Insurance.
Who sets the standards for PAs in Texas?
The Texas Department of Insurance (TDI) is the state agency that regulates public adjusters. As in most states, Texas public adjusters are required to be tested, licensed, and current on continuing education requirements.
To qualify for a license, a PA must demonstrate significant knowledge and competence in a broad range of areas related to property insurance, claims settlement, and pertinent laws and regulations.
The Texas Association of Public Insurance Adjusters (TAPIA) also plays an important role in assuring that Texas public adjusters meet high standards for professional knowledge, competence, and achievement.
Through continuing education and other training programs, TAPIA assures its members are best qualified to handle your claim. TAPIA enforces a strict code of ethics to promote the highest standard of integrity and professionalism.
TALK TO US!
Blackstone Claim Services
222 Sidney Baker S, Suite 350-I
Kerrville, TX 78028
Blackstone Claim Services – West
2950 Buskirk Ave, Suite 300
Walnut Creek, CA 94597
Texas Agency License Number #1939643