What a public adjuster is
Every property claim has two adjusters in it, whether you know it or not. The carrier sends one to protect the carrier. A public adjuster is the one licensed by the Texas Department of Insurance to protect you. We inspect the damage, read the policy the way the carrier will, write the estimate in the same software the carrier uses, present the claim, and negotiate every line until it is paid correctly. When the carrier will not move, we walk you through the policy's appraisal clause, prepare the written demand for you to sign, and support the dispute through the independent panel.
Under Chapter 4102 of the Texas Insurance Code, only a licensed public adjuster may do this work for a fee. Roofing contractors cannot. Friends who "know insurance" cannot. That licensing is not a formality: it comes with a bond, continuing education, a fiduciary duty to you and a fee cap of 10% of the settlement.
Why a Converse practice
Converse, Kirby, Universal City, Live Oak and Windcrest share a housing stock, a storm history and, after September 11, 2026, a claim season. StormerSite counts 66 hail reports within ten miles of Converse since 2004, with a largest report of 4.50". Carriers know that history, and it shapes how they adjust every new roof claim in 78109 and 78244: "pre-existing," "wear and tear," "cosmetic." A local practice with the storm data at hand, the local pricing and a working relationship with the contractors who actually rebuild here answers those arguments faster than a statewide call center.
Rise Public Adjusting works across Texas, from Houston to Waco to the Rio Grande Valley. This site exists because the Sept 11 storm put several thousand Converse-area roofs into the claims process at once, and most of them will be underpaid on the first estimate.
How we work
- Free review first, honestly. Not every claim needs us. If the carrier's estimate is fair, we say so and you keep the whole check.
- Documentation the carrier cannot wave away. Test squares, soft-metal impact evidence, elevation-by-elevation photos, moisture readings, code and manufacturer requirements, all dated.
- Estimates in the carrier's own language. Line-item Xactimate estimates at current San Antonio pricing, so the negotiation is about the damage, not the format.
- Appraisal as a specialty, not a threat. We know the appraisal clause well: we prepare the demand for you to sign, help you choose a competent, impartial appraiser, and see disputes through to the umpire's award. It is the single most effective tool a Texas policyholder has, and most never use it.
- Nothing upfront. Our fee is a percentage of the recovery, never more than the 10% Texas allows, and it is due only when the carrier pays.
What we do not do
- We do not repair roofs or sell roofs. A public adjuster who also builds the roof has a conflict of interest, and in Texas it is illegal.
- We do not give legal advice or file lawsuits. When a claim needs a lawyer, we say so and refer you to one.
- We do not handle auto claims. Hail-damaged vehicles run through your auto policy's comprehensive coverage.
- We do not pressure. The review is free, the decision is yours and the phone number is the same either way.
Verify us
Every Texas public adjuster license can be checked on the Texas Department of Insurance website. Ours is #3356839, held by Rise Public Adjusting LLC. If anyone knocking on doors in Converse this month says they are a public adjuster, ask for their license number and look it up before you sign anything.