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WHAT IS A PUBLIC ADJUSTER AND WHAT DO THEY DO?

admin • Aug 27, 2022
Compliance Rules — McKiney, TX — Timmons Consulting Group

Do you know what a public adjuster is and what they do? Most people don’t―but they can be a good hip-pocket resource to know about. Here are a few facts to help you understand. 


  • A public adjuster, as defined in Texas state statutes, is someone who acts on behalf of the insured in negotiating for or effecting the settlement of a claim. A public adjuster advises or assists the insured with a claim for loss or damage under any policy of insurance covering real or personal property. 
  • A person who wants to become a public adjuster in Texas must be licensed in the state to do so. In order to qualify to be a licensed public adjuster, one must generally meet the following requirements: be at least 18 years old, a citizen of the United States, a resident of Texas who is deemed trustworthy or morally fit for the job, has not been convicted of a felony in the past 10 years, has been sufficiently trained in real or personal property values and the types of insurance that are available, and has passed the license examination and filed the application and fee. 
  • Non-residents who are licensed as public adjusters in other states may also be licensed in Texas, subject to meeting certain provisions. 
  • License holders must complete at least 15 hours a year of continuing education courses. 
  • Public adjusters must keep records of their transactions for five years, including the name of the insured, the date, location and amount of the loss, a contract between the adjuster and the insured, an itemized statement of the recoveries, the name of the insurer as well as the amount, expiration date, and number of each policy, and total compensation received for the adjustment. 

In accordance with Texas H.B. 1183, a roofing contractor cannot provide public adjuster services on a project where they may perform roofing work. 

Public adjusting is a highly regulated field, but it is important to remember that a Public Adjuster works for you―not the insurance company. If you’d like more information on utilizing a public adjuster or you are in need of our services, contact us.

By admin 27 Aug, 2022
Have you heard that adjusters are not the same legally as roofers? In today’s modern economy, there are a lot of people that will come around when there is a storm to check your roof. They will ask you to do an inspection and promise to work with your homeowner’s insurance company to get your roof fixed. However, is this legal or wise with new laws like H.B. No. 1183? Interestingly, there are 3 laws separating roofers from adjusters. Once you have the correct information in mind, you can navigate getting your roof fixed after a storm with no surprises. What is H.B. No. 1183? In the state of Texas, a law was passed that prohibits certain conduct coming from insurance adjusters, public insurance adjusters, and roofing contractors. In short, this means that a roofing contractor will not be able to also be an adjuster for properties they complete roofing projects on. For this reason, you should avoid anyone that claims otherwise. What is a public adjuster? Sadly, many property owners do not learn about using legal public adjusters until after they lose a considerable amount of money. Whether you are a homeowner or commercial property owner, it pays to know how a public adjuster can help you get the help you need to find a roofer that will also satisfy your insurance company. Simply put, a public adjuster will work for the insurance policyholder to get the insurance company to cover your claim that you need a new roof or other repairs. Contractors are not licensed attorneys. When a big storm hits a community, adjusters work overtime to get homeowner’s the help they need to fix their property. Alternatively, when times are tough, it is easy to assume that a roofing contractor will have the power to get your insurance company to sign off on a bid to fix your roof without needing an adjuster. Legally, this simply is no longer the case. It is also illegal for adjusters and roofing contractors to negotiate a claim made by a property owner without the property owner’s permission. Roofers are not licensed public insurance adjusters. Again, if someone is a both a roofing contractor and a public insurance adjuster or licensed attorney, they are qualified to negotiate insurance claims. Regardless, this will never be the case. In general, having these dual roles would put the person at risk of being banned from the Bar Association of America because they would be working as a contractor and legal counsel simultaneously — and that is a conflict of interests. Ready to get a roof legally? When the time is right, contact us for your roofing needs. We will file all the proper paperwork and ensure that you comply with the letter of the law. Give us a call, and we will answer any of your questions concerning repairing, replacing, and remodeling your roof. We can also provide you with more information about the new laws that protect homeowners from shifty roofing companies. 
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
By admin 27 Aug, 2022
Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about
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