Your insurance company has a team working your claim. Now you do too.
A public adjuster works for you, not the carrier. We document the full loss, write the estimate, handle every call and negotiation, and get paid only as a percentage of what we recover. $500M+ recovered for Texas policyholders.
- BBB A+
- 16 Years
- 138+ Google Reviews
- TDI License 1924788
Free claim review.
A licensed Texas public adjuster calls you back, reviews your policy and your loss, and tells you honestly what’s there. No cost, no obligation.
For fire claims, we call you back within 1 hour and visit your property within 24 hours or less.
- Representing Texas policyholders
- 16 Years
- Representing Texas policyholders
- BBB rating
- A+
- BBB rating
- BBB awards
- 9
- BBB awards
- Google reviews
- 138+
- Google reviews
- Generation firm
- 2nd
- Generation firm
Three kinds of adjuster. Only one works for you.
The carrier’s adjuster
Employed by your insurance company.
A staff adjuster works for the carrier and evaluates the claim on the carrier’s behalf.
An independent adjuster
Hired by your insurance company.
Independent sounds neutral. It means an outside firm the carrier contracts with to handle its claims.
A public adjuster
Hired by you. Works for you.
Licensed by the Texas Department of Insurance to represent the policyholder, and only the policyholder.
Who is actually on your side
- Who hires them
- Carrier’s adjusterYour insurance company
- Independent adjusterYour insurance company
- Public adjusterYou, the policyholder
- Who pays them
- Carrier’s adjusterYour insurance company, as an employee
- Independent adjusterYour insurance company, per claim or contract
- Public adjusterYou, as a percentage of what is recovered
- Whose number they write
- Carrier’s adjusterThe carrier’s estimate
- Independent adjusterAn estimate submitted to the carrier
- Public adjusterYour estimate, built from their own documentation
- When damage is missed
- Carrier’s adjusterIt stays out unless someone documents it and asks
- Independent adjusterIt stays out unless someone documents it and asks
- Public adjusterFinding and documenting it is the job
If any of these sound familiar.
Nobody has been out yet
You just had a fire or a major loss and the carrier hasn’t inspected.
The estimate feels low
The carrier’s number came in and it doesn’t match what you’re looking at.
The claim is dragging
Weeks go by. Nobody calls you back. Nothing moves.
The check won’t cover it
You got paid, and your contractor says it won’t cover the work.
It’s a commercial loss
Property damage plus business interruption, and every day closed costs money.
Not sure if your claim is big enough? Send it. We review every claim and tell you honestly what’s there.
Houston Public Adjuster. We work for you, not them.
- Second generation
- A Houston family firm, licensed since 2010.
- In-house teams
- A structure team of estimators and a contents inventory team that lists and prices every item, under one roof.
- Testing, not guessing
- Industrial-hygienist testing for smoke and contamination in rooms that look fine.
- $500M+ recovered
- For Texas homeowners and business owners.
- BBB A+
- With 9 Houston BBB awards, and 138+ Google reviews.
- Fire first
- Fire is our core specialty. Commercial losses handled statewide.
From first call to final sign-off.
- 01
Free policy and loss review
We read your policy, look at the loss and tell you plainly what’s there.
- 02
On-site documentation and our own estimate
Photos, measurements, testing where needed, and an estimate we write, not the carrier.
- 03
We handle every call, letter and negotiation
The carrier talks to us. You get your evenings back.
- 04
You approve the settlement
Nothing is finalized without your sign-off. Our fee is a percentage of the recovery.
No Fee Unless You Recover.
Our fee is a percentage of the recovery. No upfront cost.
Texas generally caps public adjuster fees at 10% of the settlement, with limited exceptions set by statute. Texas law gives you 72 hours to cancel any public adjuster contract, including ours.
In their words.
“Maddie and Dale and the entire team at Crossroads were awesome to work with during our house fire. They made the complex process simple and easy to understand in a time of uncertainty. They were Always easy to access for questions and kept us updated as the process transpired. We could not recommend them any higher and are glad to have found them during this trying time.”
“Dale showed up at my house a day after lightning hit my roof. I was super hesitant (as with most people who show up at my door) but I’m glad I listened to him. Crossroads helped with pretty much everything from removing all the stuff from our house to going back and forth with State Farm on what they’d be fixing and how they’d be fixing it. Crossroads got them to come up about $50k from the original repair estimate. I’d recommend crossroads to anyone who’s had damage to their house and needs a 2nd set of eyes on the insurance company.”
“My claim with USAA was a disaster. USAA was playing the ignore me until I went away routine. Out of desperation, I went to Crossroads. It is the best decision I have made in a while. John Terry and crew took over and exceeded my expectations. USAA picked a fight they couldn't win. I wouldn't think about going back if I had a problem.”
138+ Google reviews. BBB A+ rated.
What people ask before they hire us
What does a public adjuster cost?
Nothing upfront. Our fee is a percentage of what is recovered on your claim, and you pay nothing if there is no recovery. Texas law generally caps public adjuster fees at 10% of the amount paid, subject to the limited exceptions in the statute, and every contract carries a 72-hour right to cancel.
Is it too late if I already got a check?
Often not. Claims can be reopened and supplemented when damage was missed or underpriced, depending on your policy and its deadlines. Bring the check details and the estimate to the free review and we will tell you what we see.
My claim was denied, can you help?
A recent denial can often be reopened with proper documentation, depending on the reason for the denial, your policy and its deadlines. Older denials may need an attorney, and we will tell you honestly which is which.
Do you only handle fire?
No. Fire and smoke are our core specialty, and we also handle lightning, water and pipe, storm, and commercial property losses.
Do you work outside Houston?
We handle residential claims across the Houston metro and commercial claims statewide in Texas.
What should I do before you arrive?
Keep everyone safe and do emergency work to prevent more damage. Photograph and video everything, keep every receipt, do not throw anything away, and hold off on signing repair contracts or giving a recorded statement until you talk with us.
Call before you talk to the carrier’s adjuster. It’s free, and it changes everything after.
713-369-4300Licensed Texas public adjusters. We work for you, not the insurance company.
Free claim review.
A licensed Texas public adjuster calls you back, reviews your policy and your loss, and tells you honestly what’s there. No cost, no obligation.
For fire claims, we call you back within 1 hour and visit your property within 24 hours or less.