Dallas Public Adjuster

Fire and Large Loss Claims in Dallas

Fire is the core of our work: house fires, apartment and condo fires, kitchen fires in restaurants, electrical fires in offices and warehouses. The insurer’s first estimate rarely captures the whole loss. What it tends to miss:

• Smoke and soot that spread through shared walls, hallways and air systems
• Water damage from fighting the fire, often in units that never burned
• Code upgrades the city requires before you can rebuild
• Contents and inventory that have to be listed item by item
• Lost business income and extra expenses while you’re closed
• Extra living costs if you can’t stay in your home

In an apartment or condo building, one unit’s fire can damage the units around it, and the building’s policy and each owner’s or tenant’s policy cover different parts of the loss. Working out who pays for what is part of the claim. We read the policies side by side so nothing falls between them.

On large residential and commercial losses, we bring in engineers, hygienists and contents specialists when the claim needs them, so the estimate reflects the full scope of the damage.

Business Interruption and Commercial Claims

When a fire closes a business, the building is only part of the loss. Most commercial policies also cover the income you lose while you’re closed and the extra costs of keeping the business running, but those parts of the claim have to be documented with your own records. We work with your books, your payroll and your accountant to show what the closure cost, and we keep the property claim and the income claim moving together.

How We Handle Your Claim

• We inspect the damage in person and photograph everything.
• We read your policies and tell you what they cover.
• We build a detailed estimate in Xactimate, the estimating software most insurers use.
• We list your damaged contents and inventory item by item.
• We document lost income and extra expenses for business claims.
• We present the claim to your insurer and handle the back and forth until it’s settled.

Houston and the Rest of Texas

Our Texas team works across the state. For Tarrant County, see our Fort Worth public adjuster page; for Houston and the Gulf Coast, see our Houston public adjuster page. For claims anywhere else in the state, start with our Texas public adjuster page.