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Public adjusters in Texas: rules, fees and licensed firms

Public adjusters in Texas must be licensed by the state. Here are the rules that protect you, with sources, and 357 firms with a license record in Texas.

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Licensing and how to check a license

Anyone who acts as a public adjuster in Texas, or advertises as one, must hold a public insurance adjuster license from TDI. Licensed Texas attorneys and property and casualty agents handling a loss on a policy they sold are exempt.Tex. Ins. Code § 4102.051 ↗
Use TDI's 'Look up an agent' tool, which searches by name or license number through the Sircon consumer inquiry form linked from TDI's site. You can also call the TDI Help Line at 800-252-3439 to confirm a license and ask about complaints or disciplinary actions.Source ↗

Fee limits

A public adjuster's total fee, whether hourly, flat, or a percentage, cannot be more than 10% of the insurance settlement on the claim, and this cap applies to every claim, not only disasters.Tex. Ins. Code § 4102.104(a) ↗
If your insurer pays, or promises in writing to pay, your full policy limits within 72 hours after you report the loss, the adjuster cannot take a percentage fee and may charge only reasonable pay for time spent and expenses up to that point.Tex. Ins. Code § 4102.104(b) ↗
TDI notes that the up-to-10% fee can be charged on the whole settlement, not just the part in dispute, and that you can ask for a fixed dollar fee in the contract instead.TDI, Public adjusters (consumer guide, updated 3/25/2025) ↗

Your right to cancel

You can cancel a public adjuster contract for any reason by giving the adjuster written notice within 72 hours after you sign it. TDI's prescribed contract says to send the notice by registered or certified mail (return receipt requested) or deliver it in person.Tex. Ins. Code § 4102.103(b); TDI Form FIN535 ↗

When adjusters may contact you

A public adjuster may not solicit you while a loss-causing natural disaster is still happening.Tex. Ins. Code § 4102.151 ↗
A public adjuster may solicit you in person, by phone, or any other way only between 9 a.m. and 9 p.m. Monday through Saturday and between noon and 9 p.m. on Sunday. They may still take calls or visits that you start.Tex. Ins. Code § 4102.152 ↗
A public adjuster may not lie to get you to sign a contract.Tex. Ins. Code § 4102.159 ↗
Every ad from a public adjuster must show the adjuster's name, address, and license number as they appear in TDI's records.Tex. Ins. Code § 4102.113 ↗
A public adjuster may not advance money to you, or pay someone who is not a licensed public adjuster for referring you.Tex. Ins. Code § 4102.160 ↗

What the contract must include

A public adjuster can work on your claim only after you both sign a written contract on a TDI-approved form, signed in duplicate.Tex. Ins. Code § 4102.103(a) ↗
The contract must include your 72-hour right to cancel and a prominent notice in 12-point bold type that says "WE REPRESENT THE INSURED ONLY."Tex. Ins. Code § 4102.103(b) ↗
TDI's standard contract (FIN535) has to state the fee and how it is calculated, describe the services, explain how any payments made before the contract will count toward the fee, give TDI's phone number for complaints, and tell you that you do not need a public adjuster to file a claim.TDI Form FIN535, Public Insurance Adjuster Contract (implementing 28 TAC §§ 19.701, 19.708, 19.713) ↗
A public adjuster may not sign you up and collect a fee without actually meaning to do the adjusting work, for example just to refer you to a lawyer.Tex. Ins. Code §§ 4102.103(d), 4102.158(d) ↗

Claim deadlines

For a Texas Windstorm Insurance Association (TWIA) policy, you must file your wind or hail claim within one year of the date the damage happened, and TDI can extend that by up to 180 days if you show good cause.Tex. Ins. Code §§ 2210.205, 2210.573(a) ↗
If TWIA denies all or part of your claim, you have two years from the date of the denial notice to sue, and you must give notice that you intend to sue before you file.Tex. Ins. Code §§ 2210.575, 2210.577 ↗
If you disagree with the amount TWIA will pay, you have 60 days from its decision notice to demand appraisal, with a possible 30-day extension if you ask in writing for good cause.Tex. Ins. Code § 2210.574(b)-(c) ↗
Before suing your insurer over a property damage claim, you generally must give the insurer written notice at least 61 days before you file.Tex. Ins. Code § 542A.003 ↗
Your insurer must acknowledge your claim and start investigating within 15 days of being notified. It must then accept or reject the claim in writing within 15 business days after it has everything it asked for, and pay within 5 business days after agreeing to pay.Tex. Ins. Code §§ 542.055, 542.056, 542.057 ↗
An insurance contract cannot give you less than two years to bring a lawsuit, and any shorter deadline is void in Texas.Tex. Civ. Prac. & Rem. Code § 16.070 ↗

Other key rules

A public adjuster may not repair or rebuild your damaged property, or have a financial stake in or take money from any repair, construction, or salvage firm working on your claim.Tex. Ins. Code § 4102.158(a) ↗
A contractor who is or may be doing work on your property cannot act as your public adjuster or advertise to handle your claim, even with a license or a power of attorney.Tex. Ins. Code § 4102.163 ↗
A public adjuster may not accept referral fees from anyone they send you to, such as lawyers, appraisers, umpires, contractors, or salvage companies.Tex. Ins. Code § 4102.164 ↗
Insurance claim checks must name you as a payee and need your own signature, and a public adjuster may never endorse a claim check for you.Tex. Ins. Code § 4102.104(c)-(e) ↗
Any claim money a public adjuster receives is held in trust for you and cannot be diverted or used for other purposes.Tex. Ins. Code § 4102.111 ↗
If you sign with someone who is not licensed, you can void the contract and you owe nothing for past or future services.Tex. Ins. Code § 4102.207 ↗
A homeowners or commercial property policy issued in Texas cannot forbid you from hiring a public adjuster. This rule, added in 2023, also covers surplus lines insurers when Texas is your home state.Tex. Ins. Code § 4102.007 ↗
A public adjuster may not give legal advice, wear a badge, handle bodily injury or health claims, or represent you while also working for your insurer on the same claim.Tex. Ins. Code §§ 4102.154, 4102.156, 4102.157, 4102.158(c) ↗
Public adjusters must carry proof of financial responsibility, such as a surety bond or professional liability coverage, to pay judgments for their errors or fraud, and must complete 24 hours of continuing education each license period.Tex. Ins. Code §§ 4102.105, 4102.109 ↗
Breaking the public adjuster law is a Class B misdemeanor, and TDI can also fine an adjuster up to $2,000 per violation or suspend or revoke the license.Tex. Ins. Code §§ 4102.201, 4102.204, 4102.206 ↗
To complain about a public adjuster, call the TDI Help Line at 800-252-3439 or file a complaint online with TDI.TDI, Public adjusters (consumer guide) ↗

Rules checked 2026-10-20 against state statutes and Texas Department of Insurance (TDI) ↗. Laws change; always confirm with the regulator. General information, not legal advice.

Public adjusters in Texas: rules, fees and licensed firms

Licensing and how to check a license

Fee limits

Your right to cancel

When adjusters may contact you

What the contract must include

Claim deadlines

Other key rules

Licensed public adjusting firms in Texas

2514 Capital Advisors LLC

3 Point Adjusting, LLC.

3a Public Adjusters, LLC

4a Claims Consulting Limited Liability Company

A Quest for Public Adjusters, LLC

A+ Public Adjusters, LLC

Abba Claims Consultants, LLC

Acclaimed Public Insurance Adjusters, LLC

Accurate Public Adjusters, Inc.

Accurate Recovery, LLC

Addison Loss Consulting, LLC

Adjusters Group, LLC

Adjusters International Basloe, Levin & Cuccaro, Ltd

Adjusters International/MBC

Adjusters of America, LLC

Adjustpro Solutions, LLC

Advoclaim Public Adjusters LLC

Aegis Public Adjusting Group LLC

Align Claims Consultants LLC

All City Adjusting LLC

All Perils Consulting Inc.

Ally Public Adjusting

Alpha Public Adjusters, LLC

American Claim Adjusters Inc

American Claim Solution LLC DBA First Claim

American Loss Consultant LLC

Anchor Claims LLC

Andrew K. Knox and Company

Apex Public Adjusters, Inc.

Apia Source, LLC

ARK Public Adjusting LLC

Athena Public Adjusters LLC

Atomic Public Adjusters LLC

Auto Claim Specialists, LLC

Aware Owner LLC

Axiom Public Adjusting L.l.c.

Axios Adjusting, LLC

Bay Area Public Adjuster, Inc

BC Adventures, LLC

Bellmore Public Adjusting

Bentley Public Adjusters LLC

Berger Adjusters LLC

Berkeley International

Blackbird Public Adjusters LLC

Blackstone Claim Services, Inc.

Blueprint Claims LLC

Brass Cannon Claims, LLC

Bravura Claims Negotiations, LLC

Building Damage Consultants

Bulldog Adjusters of Texas, Inc.

C Belcher Claim Services LLC

C3 Group Inc

Cactus Claim Service LLC

Caliber Claim Adjusters LLC

Capital Claims Group Inc.

Claim Advocates of Texas LLC

Claim Analysis, Inc.

Claim Pros Public Adjusting LLC

Claim Resolved, Inc.

Claim Settlement Advocates, LLC

Claim, Inc.

Claimhinge LLC

Claims Advocate Resolution Experts LLC

Claims Hunters Inc

Claims Leader, LLC

Claims MD LLC

Claims of America Public Adjusting LLC

Claims Powerhouse LLC

Claims Preparation Services, LLC

Claims Pro Adjuster, LLC

Claims Public Adjusting, Inc.