Claim Denials in Texas Fuel Demand for Public Adjusters
Homeowners in Texas are increasingly facing the frustration of denied insurance claims: in 2024, nearly 47% of home insurance claims in Texas were closed without payment, compared to the national average of 42% (Houston ChronicleInsurance News | InsuranceNewsNet). Meanwhile, state-wide property insurance premiums have surged by 19% in 2024 and 21% in 2023, making Texas one of the most expensive states for coverage (The Washington PostThe Wall Street Journal). This harsh reality has created an urgent need for policyholder advocacy—and public adjusters are stepping up.
According to a 2025 report from ClaimsMate, approximately 37% of homeowners insurance claims are now being denied by insurers, with some major carriers rejecting nearly half of all claims submitted. These denials often come after natural disasters like hurricanes, hailstorms, and fires—events that leave policyholders feeling overwhelmed and unsupported. As a result, many homeowners are turning to public insurance adjusters for help navigating the claims process and securing the compensation they’re owed.
Public adjusters, or PAs, are licensed professionals who work on behalf of the policyholder—not the insurance company. Their job is to assess damage, interpret the policy, prepare documentation, and negotiate with the insurer to reach a fair settlement. Unlike company adjusters, who are employed by insurance providers, public adjusters serve as advocates for the insured. With insurance companies tightening claims processes and relying more heavily on engineering reports and policy exclusions, public adjusters are stepping in to help homeowners fight back.
One case in particular out of Tampa, Florida, highlights this growing trend. After Hurricane Milton tore through the area, a homeowner filed a claim for wind and water damage. The insurer initially denied the claim, citing uncovered causes despite clear photographic evidence and contractor estimates. Frustrated, the homeowner hired a public adjuster, who brought in an independent engineer and began negotiating directly with the carrier. Within weeks, the claim was reopened and ultimately settled for $100,000—more than double the original offer and significantly more than the $46,000 the insurer had first suggested.
This scenario is playing out across the country as more homeowners realize the benefits of hiring a public adjuster. While adjuster fees typically range from 7% to 10% of the final settlement, the increased payout often outweighs the cost. In fact, studies have shown that using a public adjuster can result in claim payouts several times higher than those secured by homeowners on their own. With claims growing more complex and insurer scrutiny increasing, public adjusters offer a critical layer of support, particularly in high-loss events like wildfires and hurricanes.
As demand for their services continues to grow, public adjusters are also facing evolving regulations and scrutiny. States like California and Florida are introducing new policies that affect how PAs can contract, solicit, and receive payment for their services. Still, their value to policyholders remains clear: when insurers delay, deny, or underpay, public adjusters can make the difference between a financial loss and a full recovery. For homeowners navigating the aftermath of disaster, knowing their rights and working with a trusted adjuster could be their best option for a fair outcome.
If your claim has been denied, delayed, or underpaid, contact Marshall Adjusting Group today. Our licensed public adjusters operate across North and Central Texas—supporting Texas homeowners and businessowners with proven results and only charging 10% of your recovered settlement. We’ll handle documentation, policy review, and negotiations so you can focus on rebuilding.
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