A Public Adjuster (PA) is a licensed insurance professional who exclusively represents the policyholder, the homeowner or business owner, in property damage claims. From documentation to negotiation, we handle every aspect of the claim to protect your rights and maximize your settlement.
Think of us like a CPA during tax season. You wouldn’t deal with the IRS alone, so why face your insurance company without expert representation?
Why You Need a Public Adjuster in Texas
In Texas, insurance companies increasingly:
⭕ Discourage policyholders from filing valid claims
⭕ Minimize damage severity based on photos or phone calls
⭕ Underpay or deny claims based on improper technicalities
Most policyholders don’t fully understand their policy, coverage limits, exclusions, or “Duties After a Loss.” Even a small error can allow the insurance carrier to legally underpay your claim or deny it altogether.
A Public Adjuster ensures:
⭕ All documentation is handled correctly from Day 1
⭕ The carrier complies with Texas law and policy language
⭕ You receive the maximum payout allowed under your policy
Water Damage Claims
Water damage isn’t always obvious, but it can be just as destructive. Jason assists with claims involving pipe bursts, appliance failures, slab leaks, AC overflows, and sewage backups. These losses often involve hidden moisture that impacts walls, floors, and contents. Jason helps ensure the full scope of damage is identified and documented so the claim is evaluated accurately.
Mold Claims
Mold coverage is often limited or excluded, and many property owners are unsure what their policy actually provides. If mold coverage applies, Jason can help guide the claim process and ensure it is properly documented. If your mold-related claim has been denied, Jason can review the policy and claim handling to help determine whether it was handled correctly and if coverages do exist.
Fire & Smoke Damage Claims
A fire doesn’t just destroy property, it disrupts lives. Jason manages partial and total fire loss claims, including structural damage, smoke migration into wall cavities and HVAC systems, soot-affected contents, and odor remediation. With multiple parties and complex policy language often involved, Jason works to ensure the full scope of damage is accurately documented and evaluated so no covered damage is overlooked.
Storm & Hail Claims
Texas storms can be severe, and damage is not always visible from the ground. Jason represents property owners with hail and wind losses that include roofing damage, water intrusion, cracked skylights, broken windows, siding impacts, and foundation movement caused by wind-driven rain. Jason advocates for a complete and accurate evaluation of storm damage so covered losses are not overlooked or undervalued.
Roofing Claims
Roof claims are one of the most commonly disputed areas of property insurance. Jason represents property owners with hail and wind damage, including lifted shingles, punctured membranes, damaged flashing and vents, and structural roof impacts. When roofing claims are delayed, underpaid, or denied, Jason works to ensure the scope of damage is accurately documented so appropriate repair or replacement options are considered where supported by the evidence.
Claim Denials, Underpayments & Mishandled Claims
If you’ve already filed a claim but feel the process stalled or the outcome doesn’t reflect the damage, Jason can help. Whether an adjuster stopped responding, payments fell short, or coverage decisions lacked clarity, Jason reviews the claim file, conducts re-inspections when needed, and works to address claims that may warrant reconsideration or supplementation.
How It Works
1. Free Initial Consultation
Tell us what happened. We’ll review your current situation and evaluate whether you have a strong claim.
2. Full Representation
We take over all communications with the insurance company, collect evidence, create estimates, document damages, and file everything required.
3. Claim Settlement
We work to ensure the claim is evaluated based on the full scope of covered damage, in accordance with the policy, and that all “Duties After a Loss” are properly met. If legal action is required, the claim documentation is organized and ready for legal counsel without delay.
Important Legal Disclosure
DB Integrity does not perform mitigation or reconstruction services on any property where Jason Dye is the Public Adjuster. Likewise, if DB Integrity is retained to perform mitigation or reconstruction services on a property, Jason Dye cannot act as the Public Adjuster for that same claim. This separation of services is maintained to avoid conflicts of interest and to comply with applicable Texas Department of Insurance (TDI) regulations.
