Dallas & Fort Worth Public Adjusters
Property damage in Dallas-Fort Worth?Understand what your insurance claim should cover.
Our Dallas Public Adjusters inspect the loss, document the damage, review your policy, prepare a detailed repair estimate, and present your property insurance claim to the insurance company with the documentation needed to support it.
Tell us what happened. We'll review your loss at no cost.
Free Claim Review
A few quick details and a licensed Public Adjuster from our Dallas office will follow up shortly.
Thank you. A licensed Public Adjuster will reach out shortly. If you need help right now, call (214) 217-8899.
North Texas Property Claims Come With Their Own Challenges
Dallas Fort Worth sits in one of the most active hail corridors in the country, and hail is where most claims here begin and where most of them get argued. Bruised shingles that have not opened up yet, spatter on soft metals, damaged ridge and hip, and the vents, gutters, screens and AC fins that carriers routinely leave off a scope. A roof can be functionally destroyed and still look fine from the driveway.
The policy language is where these claims are really decided. Cosmetic damage endorsements, roof payment schedules that depreciate a roof by age, actual cash value settlements on older roofs, and separate wind and hail deductibles written as a percentage of the dwelling limit rather than a flat dollar amount. Two houses on the same street with the same damage can settle very differently because of what is printed in their policies.
It is not only hail. Hard freezes can burst supply lines and split fittings in attics and exterior walls, plumbing leaks beneath slabs can cause damage long before anyone sees it, and the expansive clay soil across North Texas can complicate structural losses. From older homes in established Dallas neighborhoods to newer construction throughout the Metroplex, we inspect the full loss and price the repair the way it will actually be performed.
Dallas-Fort Worth Coverage, North Texas Support
Our Dallas office serves property owners throughout the Dallas-Fort Worth Metroplex and surrounding North Texas communities, from urban and suburban homes to condos, commercial buildings, and larger properties across the region. Our Public Adjusters handle property insurance claims throughout the DFW area, with additional VIP Adjusting offices serving Florida and South Carolina.
You pay nothing up front and nothing out of pocket. Our fee is contingent on recovery from your property insurance claim, and reviewing your loss is always free.
Meet Sebastian Celis
Sebastian runs VIP Adjusting's Dallas office, where he leads branch operations and stays hands-on in the field. Born in Colombia and a graduate of the University of Oklahoma, he came to Public Adjusting from engineering, working on highly technical projects at Lockheed Martin and Qarbon Aerospace where precision, detailed documentation, and strict quality control were essential.
He also owned and operated a remodeling company, giving him a builder's perspective on damaged property and what repairs actually require. Bilingual in Spanish and English, Sebastian handles hail, wind, water, and structural claims for policyholders throughout Dallas-Fort Worth and the surrounding North Texas region, bringing the same attention to detail to a claim file that he brought to engineering and aerospace.
The Experience Behind Every Claim
Licensed and bonded in Texas, with licenses you can look up yourself through the Texas Department of Insurance before you sign anything.
↗ IICRC CertifiedCertification through the IICRC, which writes the standards the restoration industry works to for water, fire, and mold losses.
↗ FAA Part 107 Drone CertifiedFAA certified drone pilots on staff, so steep roofs and large losses get documented from the air rather than guessed at.
↗ Xactimate CertifiedWe estimate in Xactimate, the same platform the carriers price claims in, so the numbers are being compared like for like.
↗ BBB Accredited BusinessBBB accredited with a 5-star rating, and a public complaint history you are welcome to read.
↗ WIND Network MemberProfessional members of the Windstorm Insurance Network, which focuses on wind and hurricane claim practice.
↗Not sure where your claim stands?
Send us the information and paperwork you have so far. A Dallas Public Adjuster will review your property insurance claim at no cost, explain what your policy covers, identify any issues or gaps, and walk you through your options.
As your Dallas-Fort Worth Public Adjuster, we will
We read the policy, any correspondence from the carrier, and whatever estimates exist, so we know what coverage you actually have before we do anything else.
New claim or a supplement on one already open, we get it filed correctly and stay on it so it does not sit.
We manage communication with the insurance company, respond to requests for documentation, and keep you updated throughout the claim.
We walk the property and document everything: photos, measurements, moisture readings, and drone imaging on roofs that are not safe to walk.
We prepare a professional estimate of repair and replacement costs using Xactimate, the industry-standard estimating platform used throughout the insurance industry.
We prepare and submit required claim forms, proofs of loss, estimates, and supporting documentation accurately and on time.
We negotiate directly with the insurance company using the documentation, estimate, and policy support behind your claim.
We help finalize, process, and secure payments due under your policy, including initial, supplemental, and final disbursements.
the Maximum Settlement
From the first inspection through the final payment, every step is focused on one outcome: documenting, supporting, and negotiating your claim for the maximum settlement available under your policy.
What a Documented Claim Can Look Like
Each example shows the gap between the insurance company's initial offer and the final amount recovered once a Public Adjuster reviewed, documented, and advocated for the claim.
Hail bruised the roof and damaged soft metals and screens, and most of it was written off on the first inspection.
A fire left structural damage along with heavy smoke and soot well beyond the room of origin.
A supply line failed inside a wall and soaked framing, flooring and cabinetry before anyone caught it.
Every claim is unique. Results vary based on individual policy coverage, damage, and circumstances. Past results are not a guarantee of future outcomes.
Property Damage Claims We Handle in DFW
Residential, condo, and commercial property losses throughout Dallas-Fort Worth and North Texas, including new claims and losses the insurance company has already inspected, underpaid, delayed, or denied.
Frequently asked questions
What does a Public Adjuster actually do?
The adjuster the insurance company sends works for the insurance company. A Public Adjuster is licensed to work for you. We inspect and document the loss, price the repairs, read the policy, and present the claim on your behalf.
My carrier already sent an adjuster. Is it too late to call you?
No, and this is when most people call us. A carrier inspection and a first estimate are a starting position, not a final one. We compare their scope against what we document, and where repairs were missed or underpriced, we put together a supplement.
What if my claim was underpaid, delayed, or denied?
That is a large part of the work at this office. We look at the policy, the carrier's reasoning, and the damage itself, then re-document the loss and present the evidence for reconsideration.
Do you handle hail claims?
Yes, and in this market it is most of what we do. Bruised shingles, damaged ridge and hip, spatter on soft metals, and the gutters, vents, screens and AC fins that get left off a scope. See our claims we handle page for more.
My policy has a cosmetic damage exclusion. Is my hail claim dead?
Not necessarily. Cosmetic-damage provisions vary by policy, so we review the specific endorsement and inspect the property to determine what damage is present and what coverage may apply. A detailed inspection is important because hail can affect more than appearance alone.
Why is my roof settlement so much lower than the estimate?
Several things can cause that difference, including depreciation, a roof payment schedule, your deductible, coverage limitations, or items missing from the insurance company's scope. We review your policy and settlement documents to identify what is driving the difference.
What about freeze and burst pipe claims?
Yes. Hard freezes split supply lines and fittings in attics, exterior walls and unconditioned space, and the water damage that follows is often far larger than the plumbing repair itself.
Do you work with condo owners and commercial property?
Both. Condo losses usually involve where the association's master policy ends and the unit owner's coverage begins. On commercial we handle owners and tenants, including the building, tenant improvements, equipment and contents, and business interruption while the space cannot be used.
Which areas does this office cover?
Our Dallas office serves the Dallas-Fort Worth Metroplex and surrounding North Texas communities. We handle residential, condo, and commercial property insurance claims throughout the DFW region.
When should I call?
Sooner is better, while the damage and supporting evidence are fresh. We can help whether you have not filed yet or your claim is already underway, underpaid, delayed, or denied.
What does it cost?
Consultations are free, and VIP Adjusting works on contingency. Texas law limits a Public Adjuster's total commission to no more than 10% of the insurance claim settlement. There are no upfront costs, and no recovery means no fee.
We Handle Claims With Every Carrier
The insurance companies below are just a sample of the carriers our Public Adjusters work with. No matter who issued your policy, we can handle the claim and represent you throughout the process.
VIP Adjusting is an independent Public Adjusting firm representing policyholders. We are not affiliated with, or endorsed by, any insurance carrier.