Public Claims Adjuster & Loss Consultant in Texas, Oklahoma & Nevada

What is a Public Adjuster?

A public adjuster is a licensed professional who serves as an advocate for policyholders in the insurance claims process. Unlike insurance company adjusters who work for the insurer, public adjusters work exclusively on behalf of the policyholder to ensure their interests are represented fairly and accurately.

Why Public Adjusters Matter in Texas, Oklahoma & Nevada?

Navigating the insurance claims process can be daunting, especially when faced with the complexities of commercial property damage. Here’s why enlisting the help of a Public insurance adjuster in Texas & Oklahoma like Palco Public Adjusting Loss Consulting is crucial:

Frequently Asked Questions

Q1- What does Palco Claims do?

Palco Claims is a public adjusting and loss consulting firm serving property owners in Texas, Oklahoma, and Nevada.  We advocate for policyholders during insurance claims, helping you file, document, negotiate, and maximize your settlement. We handle claims for residential and commercial properties, including fire, water, hail, wind, and tornado damage.

Q2- What is a public adjuster, and how is that different from my insurance company’s adjuster?

A public adjuster is a licensed professional who works exclusively for the policyholder (you), not the insurance company.

The insurance company’s adjuster works for the insurer and may be motivated to minimize payouts

A public adjuster’s job is to protect your interests, ensure the damage is fully documented, and negotiate fairly

We also interpret your policy, understand its fine print, and push back where insurers may try to deny or undervalue coverage

Q3- When should I hire a public adjuster?

It’s best to involve us as early as possible, ideally soon after the damage occurs, before accepting a settlement offer or signing any release. Some scenarios that strongly suggest you need one:

• The damage is extensive or complex (fire + smoke, flood + structural issues)
• The insurance company’s offer seems low
• You don’t have time or expertise to manage the paperwork, estimates, and negotiation
• Your insurer is delaying or disputing your claim
• You suspect parts of your damage (e.g. hidden damage, secondary issues) are being overlooked

Q4- How much does Palco Claims charge for its services?

We operate on a contingency basis — meaning you don’t pay us unless we recover for you.  Our fee is a percentage of the settlement we secure. Because we’re motivated by your success, our objectives align with yours. (We’ll always be transparent about our fees in writing before beginning.

Q5- What types of claims do you handle?

We work on a wide variety of property damage claims, including:

• Fire, smoke, and soot damage
• Water damage, flooding, burst pipes
• Wind damage, hail damage, storm damage
• Tornado damage
• Residential and commercial property claims
• Disputed or underpaid claims
• Large-loss or complex claims requiring specialized consultants

Q6- How long does the claims process usually take?

The timeline varies depending on several factors: the insurance company’s responsiveness, the extent of damage, whether third-party experts are needed, and policy or jurisdictional requirements. Because we handle documentation, follow-up, and negotiation, we often accelerate the process compared to a policyholder working alone. We’ll provide you with an estimated timeline once we review your case.

Q7- Can I still hire Palco Claims if my insurer has already processed my claim or offered a settlement?

Yes, in many cases we can assist even after the insurer has made an initial decision. If you feel the offer is inadequate or certain damage was excluded incorrectly, we can dispute it, conduct further inspections, or pursue re-opening the claim or invoking appraisal or mediation clauses (if your policy allows).

Q8- Do you operate locally? In which states and cities do you serve?

Yes, we serve clients statewide in Texas, Oklahoma, and Nevada.  Within Texas, we cover cities such as Austin, San Antonio, New Braunfels, Leander, Cedar Park, Katy, and more.  In Oklahoma, we serve areas including Tulsa, Norman, Edmond, and others.  In Nevada, we cover Las Vegas, Henderson, and surrounding areas.

Q9- What should I expect when working with Palco Claims? What’s the process?

Here’s a general outline of how we work:

• Free consultation / claim evaluation

You contact us, we review your damage and policy, and determine whether we can help.

• Engagement & agreement

We sign a written agreement outlining our services, fee structure, and responsibilities.

• Detailed inspection & documentation

We perform an on-site inspection, take photos, document damage (including hidden damage), and collect supporting evidence.

• Policy review & damage valuation

We analyze your insurance policy to pinpoint full coverage, review limits or exclusions, and prepare detailed estimates (often with subcontractors or experts).

• Filing claim and communication

We submit our findings to your insurer on your behalf and handle all follow-up communications, documentation requests, supplementals, etc.

• Negotiation / settlement

We negotiate with the insurer to maximize your recovery.

• Claim resolution & payment

Once the insurer issues the check, we settle with you (deducting our fee).

Throughout the process, we keep you informed, explain every step, and act as your advocate. You are CCd on all email communications between us and your insurance company for dull transparency.

Q10- What if the insurer denies my claim entirely?

If your insurer denies the claim, we can often assist with appeals, dispute resolution, or invoking appraisal. We can present additional evidence, re-analyze policy language, or engage experts (engineers, forensic investigators) to support your position. A denial doesn’t always mean “no recovery” sometimes it’s a starting point for further negotiation.

Q11- Does hiring you delay my claim or payment?

We aim to streamline the process rather than slow it. Because we handle all documentation, follow-ups, and negotiations professionally and thoroughly, we often reduce delays caused by missing paperwork, delays in communication, or insurer pushback. Also, since we work on contingency, we’re motivated to get your claim resolved timely.

Q12- What kind of success or case results do you have?

We have a track record of helping clients obtain settlements that fully address their damage — including additions that clients overlooked. For example, many clients have reported recovery for complete roof replacements where the insurer initially offered only partial repairs.  Check out out Google Reviews and see what other policyholders have said.

Q13- What credentials or licenses do you hold?

We are licensed to operate as public adjusters in Texas and Oklahoma.  We maintain professionalism, transparency, and industry compliance.

Q14- How do I get started?

Getting started is simple:

Call us at (512) 553-6432

Email claims@palcoclaims.com

Or fill out our contact / request consultation form on the website.

We’ll schedule a free consultation to discuss your policy, damage, and whether it makes sense for Palco to help.