Public Insurance Adjuster Services in Texas
Helping Homeowners, HOAs & Businesses Recover Fully
When property damage strikes, property owners turn to Gavnat Claims Management—your trusted licensed Texas public insurance adjusters. From hailstorms to hurricanes, water leaks to fires, our team manages every step of the claim process to make sure your payout reflects the true cost to repair or rebuild.
Whether you’re a homeowner in Katy, a property manager in The Woodlands, or a business owner near the Port of Houston, we work for you—not the insurance company.
Why Texas Property Owners Choose Gavnat
- Licensed & Experienced Texas Public Adjusters – We understand Texas Department of Insurance (TDI) regulations, appraisal rights, and policyholder protections specific to the Houston region.
- Local Knowledge, National Expertise – From hurricane zones along Galveston Bay to commercial losses downtown, we’ve handled complex Texas claims for decades.
- Comprehensive Claim Support – We assess, estimate, document, and negotiate—so you don’t have to.
- Zero Upfront Fees – We work on contingency. If you don’t get paid, we don’t get paid.
- Experts in Catastrophic Events – Hail, flood, freeze, fire, hurricane—we’ve handled it all across Harris, Montgomery, Fort Bend, and Galveston counties.
Our Process: From Damage to Full Recovery
- Free Claim Review – We analyze your policy, coverage limits, and exclusions.
- Damage Inspection – Our adjusters conduct a detailed inspection, including roof, siding, interior, and business interruption losses.
- Documentation & Estimate – We build a complete claim file with professional estimates, photos, and inventories.
- Claim Submission & Negotiation – We handle all communications with your insurance carrier.
- Settlement & Closeout – We negotiate to maximize your payout, manage supplements, and finalize documentation so you can move forward.
Common Claims We Handle
- Hail Damage: Roof, solar, HVAC, and siding damage from Houston’s frequent hail events.
- Windstorm & Hurricane Claims: Especially common along Galveston Bay and the Gulf Coast.
- Freeze & Burst Pipe Damage: Including the 2021 winter freeze and future cold-weather losses.
- Fire & Smoke Damage: Electrical fires, kitchen fires, and commercial facility losses.
- Water Damage: From plumbing leaks, wind-driven rain, and storm flooding.
- Commercial & Industrial Claims: Refineries, warehouses, retail centers, and high-rises across Greater Houston.
- HOA & Multifamily Claims: Complex roofs, shared structures, and policy interpretation for associations.
Texas Regulations & Your Rights as a Policyholder
Under Texas Insurance Code §4102, only a licensed public adjuster can represent you in negotiating an insurance claim. The Texas Department of Insurance (TDI) ensures that public adjusters operate transparently and in your best interest.
Gavnat’s Houston team is fully licensed in Texas and provides:
- Written contracts before work begins
- Transparent fee structures
- Adherence to all TDI disclosure and solicitation requirements
Learn more at tdi.texas.gov.
Why Houston Claims Are Often Undervalued
After major storms—like the 2024 spring hail outbreak or Hurricane Beryl—insurance companies face massive claim volumes and often rush inspections. Quick settlements can overlook:
- Hidden roof and underlayment damage
- Structural shifts or moisture behind drywall
- Business income losses during downtime
Our licensed public adjusters adjusters make sure nothing gets missed—from HVAC systems to interior finishes—so your payout reflects the true cost to restore your property.
Call us or complete the form for a free consultation. (713) 338-0261