Insurance Industry Update: August 2025
The property insurance landscape continues to evolve, and policyholders across Texas and beyond are feeling the effects. From tighter claim reviews to an increased reliance on specialized adjusters, the role of the public adjuster has never been more important.
Rising Trends in Insurance Claims
Increased Claim Denials: Recent reports show a noticeable uptick in denied or underpaid property insurance claims. Many carriers are applying stricter interpretations of coverage, which places greater responsibility on policyholders to provide thorough documentation.
In recent years, insurance carriers have significantly increased the number of denied and underpaid claims. Reports show that nearly 4 out of 10 property insurance claims are either denied outright or paid at a fraction of their true value. Carriers are tightening their internal review processes, hiring consultants to reduce payouts, and leveraging policy fine print to limit coverage.
Extended Timelines: Claims are taking longer to process due to staffing shortages within insurance carriers and a higher volume of severe weather-related claims. This often leaves business and property owners in limbo during critical recovery periods.
Policy Complexity: Modern policies include more exclusions, endorsements, and nuanced wording than ever before. Without expert guidance, policyholders may not fully understand the coverage they are entitled to receive.
The Role of Public Adjusters in Today’s Market
Public adjusters serve as advocates for policyholders, leveling the playing field between insurers and those who suffer losses. At Marshall Adjusting Group, our mission is to ensure that businesses, property managers, and homeowners receive the full and fair settlements they deserve as soon as possible.
Key ways we help:
Conducting comprehensive policy reviews before and after losses occur.
Creating detailed damage documentation to strengthen claim files.
Negotiating directly with carriers to maximize claim outcomes.
Guiding clients through the entire claims process, from initial reporting to final settlement.
Looking Ahead
As severe weather events in Texas and across the nation continue to increase in frequency, preparedness is becoming just as important as recovery. Property owners who establish proactive claim-readiness strategies—such as pre-loss documentation and emergency action plans—are better positioned to minimize downtime and financial loss when disaster strikes.
Why Preparation - and Representation - matters
As Texas continues to experience record-breaking hail, wind, fire, and flood events, the frequency and severity of insured losses are only expected to rise. At the same time, insurers are becoming more aggressive in defending their bottom line.
This reality makes two things clear for every property owner and business leader:
Preparation is no longer optional. Having pre-loss documentation, emergency response plans, and claim-readiness kits in place is critical for minimizing downtime and financial disruption.
Professional representation is essential. Insurance carriers employ teams of adjusters, engineers, and attorneys whose job is to reduce payouts. Policyholders who enter this process without a public adjuster are at a significant disadvantage.
Our Commitment
Marshall Adjusting Group has been representing policyholders for over 113 years, and our dedication remains the same: protecting what matters most. As the industry grows more complex, we remain steadfast in providing clarity, expertise, and advocacy for every client we serve.