Insurance Claim Guides
Practical, plain-English guides to property insurance claims in McAllen, Hidalgo County, and across Texas—written by public adjuster Joseph Dittman.
A burst pipe and a flooded street can leave the same wet drywall, but insurance treats them very differently. Here is how McAllen owners can tell water damage from flood damage.
Read articleTexas law sets prompt payment deadlines, yet many property claims still stall. Here are the most common causes of delay and what McAllen policyholders can do about them.
Read articleStraight-line winds and microbursts regularly hit McAllen. Learn how to document wind damage, answer wear-and-tear arguments, and understand your wind/hail deductible.
Read articleA step-by-step guide to photographing, recording, and organizing hail damage evidence so your insurer can review every item on your McAllen-area claim.
Read articleFirst hail estimates are often incomplete. Learn which roof items carriers commonly leave out, how a supplement works, and how to support each line item with evidence.
Read articleAn insurance adjuster works for the carrier; a public adjuster works for you. Here is how the two roles differ on a Texas hail claim, what each costs, and when hiring help makes sense.
Read articleA denial letter is not always the last word. Here is a step-by-step plan for McAllen property owners to understand the denial, rebuild the evidence, and use the options Texas policies provide.
Read articleHow McAllen homeowners can identify roof hail damage by roof type, document it, file a complete claim, and respond when the insurance estimate leaves items out.
Read articleStaff, independent, and public adjusters all handle fire claims, but they do not work for the same person. Here is what each one does and how to protect your fire claim.
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