Direct billing to all major Texas carriers. You pay deductible only. Texas Prompt Payment Act 542A compliant documentation. FEMA NFIP coordination. We handle the paperwork so you don't fight your insurance company alone.
Three-step process. You pay your deductible. We bill your insurance for everything else.
Typically $500-$2,500 for homeowners. 1-2% for windstorm. That's your only out-of-pocket cost.
Xactimate-scoped estimates submitted directly. Documentation that matches their pricing model.
Texas Prompt Payment Act requires payment within 5 business days of claim acceptance.
When your adjuster pushes their "preferred vendor" list, that's a recommendation — not a requirement. Texas law gives you the right to choose any licensed contractor for insurance-covered repairs. Your policy covers reasonable costs no matter who you choose.
Don't let an adjuster pressure you into a vendor you didn't pick. Call us instead.
Texas Prompt Payment of Claims Act gives insurers strict deadlines. Bad-faith violations trigger 18% interest plus attorney's fees.
Insurer must acknowledge your claim within 15 business days of receiving notice.
After receiving all required documentation, insurer must accept or reject within another 15 business days.
Accepted claims must be paid within 5 business days of acceptance decision.
Violation of these deadlines triggers statutory 18% interest plus attorney's fees if the insurer acted in bad faith.
Everything your adjuster needs to approve your claim without supplement fights.
"State Farm initially denied the supplement for hidden subfloor damage. They presented Xactimate documentation with thermal images, and the adjuster reversed the denial in under a week. Saved us $14,000."
"FEMA Proof of Loss filed day 58 of the 60-day window. We didn't know about the deadline. They knew, did the documentation, and our flood claim went through clean — $87K rebuild fully covered."