Frequently Asked Questions

We understand the insurance process can be stressful and confusing. Learn more about our public adjusting services and see answers to your most asked questions.

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531 N 16th St, Orange, TX 77630

Quick Help Guide to Public Adjusting

    • A Public Adjuster is a licensed professional who represents policyholders in negotiating insurance claims. Unlike other adjusters who work for the insurer, a Public Adjuster has a fiduciary responsibility to the policyholder.

    • Public Adjusters bring expertise in assessing damage, documenting claims, and negotiating with insurers. We can save you time, reduce stress, and often secure higher settlements than you could obtain on your own.

    • Underinsurance occurs when coverage limits are too low to cover full replacement costs.

    • Additionally, lacking Ordinance or Law coverage can result in significant out-of-pocket expenses for code compliance.

    • Create a preparedness plan, take pre-disaster photos of your property, and arrange mitigation and contractor agreements before disaster strikes.

General Questions

What is a Public Adjuster?

With confusing insurance policies and changing coverage limits, hiring a Public Adjuster means you have a property damage expert advocating for you.

From initial filing to final settlement and beyond, Justice Claims offers unwavering advocacy for policyholders and commercial property recovery.

    • A public adjuster specializes in managing complex commercial claims, such as those involving multi-unit properties or large-scale businesses. They help ensure all aspects of the business interruption, property damage, and loss of income are thoroughly documented and included in the claim, potentially leading to a faster and more favorable settlement.

    • Commercial property owners should pay close attention to coverage for business interruption and ordinance or law coverage. These coverages can be critical in ensuring that your business can recover quickly and meet current building codes without incurring out-of-pocket expenses.

    • Having a disaster preparedness plan in place ensures that your business can minimize downtime in the event of a disaster. It also helps in organizing vital documentation, contractor agreements, and mitigation strategies that can expedite the claims process and reduce potential losses.

    • A common mistake is underestimating the value of lost income and additional expenses during the recovery period. Public Adjusters can help accurately calculate these losses to ensure they are fully covered in your claim.

Commercial Claims Questions

How do Public Adjusters help the insured?

As property insurance policies grow more complex, having a Public Adjuster on your side is crucial. At Justice Claims, we represent you, the policyholder, ensuring your rights are protected and advocating for a fair and accurate claim settlement.

    • A public adjuster advocates for homeowners by thoroughly assessing damage, preparing detailed estimates, and negotiating with the insurance company on your behalf. This can lead to a quicker and more accurate settlement, reducing the stress and time involved in the process.

    • Homeowners should review their policies to ensure they have sufficient dwelling coverage to cover full replacement costs. Additionally, confirming they have Ordinance or Law coverage can prevent unexpected expenses related to code compliance after a loss.

    • Homeowners can take steps such as creating an inventory of belongings, taking pre-disaster photos of their property, and securing agreements with contractors and mitigation services. These actions can streamline the claims process and ensure a smoother recovery.

    • Homeowners often underestimate the extent of their damage or fail to document it properly. This can lead to lower settlements. A Public Adjuster can help ensure all damages are accurately assessed and documented, maximizing your claim.

Residential Claims Questions

What our clients say

Don’t take our word for it. Read what our clients have to say about Justice Claims.

  • “Their expertise and dedication were indispensable in helping us rebuild and return to normal life. We couldn’t have achieved this outcome without their team.”

    Larry Tyson, President and Owner, ACHTWOO Pool and Spa Professionals

  • “Justice Claims provided the highest level of quality service in their assistance to West Orange-Cove CISD. They took the worry of dealing with the insurance company completely out of our hands.”

    Rickie R. Harris, Ed.D, Superintendent, WOSCISD

  • “This team brought expertise and thoroughness that maximized our insurance claims and FEMA grants. Organized, proactive, and communicative, they were an invaluable asset to our school.”

    James Champagne, Principal, Houma Christian School

  • “Justice Claims consistently delivers successful outcomes, turning complex insurance claims into victories for our clients. Their unmatched expertise, honesty, and dedication have exceeded our expectations time and again, making them an essential part of our team.”

    Colin Garrett, President and COO, G&G Enterprises

  • “With dedication, expertise, and integrity, Justice Claims made all the difference for our church. If you need someone to fight for your claim, they’re the team to trust.”

    Jordan Robbins, Treasurer, Life Church Mid County

  • “Justice Claims provided quick and dependable support, helping us recover our losses while we focused on our congregation. Their expertise and consistent communication greatly eased our concerns.”

    Dr. Stephen Samuel, Executive Pastor, Community Church

  • “Their in-depth analysis of our policies and skillful negotiations led to a settlement far exceeding our expectations, enabling us to swiftly return to business.”

    Stephen Lee, President & CEO, First Financial Bank, Southeast Region

  • “From our first meeting with the Justice Claims team, it was obvious that they were an organization of high character, cared about our situation, and could bring the level of professionalism we needed.”

    Matthew Karns, Executive Pastor, Living Word Church

  • “Their expertise helped us identify damages we would have missed, and their thorough, professional approach ensured our best interests were always prioritized.”

    Benny Soileau, Superintendent, Huffman ISD, Tim Brittain, CFO, Huffman ISD

  • “When the dust settled, we received an additional settlement that was 300% more than the original claim. If anybody has concern with their initial settlement, I wouldn’t hesitate to contact Justice Claims for help and advice.”

    Matt Underwood, Superintendent, Stephenville ISD

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Our adjusters are experts in property damage. Trust us to help resolve your claim. Contact us for a free consultation.