Independent adjusters play a crucial role in the insurance industry by providing unbiased assessments of claims, which helps ensure that both insurance companies and policyholders receive fair outcomes. When a claim is filed, an independent adjuster evaluates the extent of damage or loss and determines the appropriate amount for compensation. Their impartiality is vital because they are not directly employed by the insurance company or the policyholder; instead, they work as third-party professionals. This independence helps maintain trust in the claims process, as it reduces potential conflicts of interest that might arise if the assessment were conducted by an in-house adjuster. Furthermore, independent adjusters often bring specialized expertise and local knowledge, enabling them to efficiently handle claims with accuracy and professionalism.

Investigate Claims: Independent adjusters assess and investigate insurance claims on behalf of insurance companies, gathering evidence and documentation to determine the extent of coverage and liability.
Evaluate Damages: They inspect the physical damage to property or vehicles, interviewing witnesses and claimants when necessary, to estimate the cost of repairs or replacements.
Prepare Reports: They compile detailed reports outlining their findings, including photographs, diagrams, and statements, to assist insurance companies in making informed decisions.
Ensure Compliance: Independent adjusters ensure that all claims are processed in compliance with relevant laws, regulations, and the specific terms of the insurance policy.

At Auto & Property Claims Assurance the owners/adjusters collectively hold the following qualifications: 
Insurance Related● TX All Lines Insurance Adjuster Licenses (individuals)● Registered with TX to do business as Adjusters (business)● Reciprocal Adjuster Licenses in other states● Continuing education with TDI approved courses
Other ● Bachelor of Science in IDST/Education, Texas A&M Kingsville● Associate of Arts in IDST/Education, Alamo Community Colleges● TX Certified Educator for 20 years
To become an independent adjuster in Texas, the following qualifications are typically needed:Licensing Exam: Pass the Texas Adjuster Licensing Exam, which tests knowledge of insurance policies, claim procedures, and relevant laws and regulations.Background Check: Undergo a fingerprint-based background check to ensure a clean criminal history, which is mandatory for obtaining a license.Continuing Education: Once licensed, fulfill continuing education requirements to maintain the license, staying updated with industry practices and regulations.

Licensing: Ensure the adjuster is licensed in your state. You can verify this through your state’s insurance department (e.g., Florida Department of Financial Services).
Reputation: Research reviews, ask for references, or check platforms like the National Association of Public Insurance Adjusters (NAPIA) for reputable professionals.
Contract Terms: Review the fee structure and contract carefully. Some states cap fees (e.g., TX limits public adjuster fees to 10%)
Timing: Many states have statutes of limitations for filing claims. Hiring an independent adjuster can help companies that need to adhere to timeframes.
Conflict of Interest: Avoid adjusters with ties to contractors or repair companies, as this may lead to biased recommendations.

Area / TerritoryWe are located in a rapidly growing underserved area, and we are willing to travel.
Extended HoursWe offer weekend and extended weekday hours upon request, our phones are always on.
Personalized ServiceWe provide tailored solutions to meet the specific needs of each client.
Extensive Hands-On ExperienceOur owner's background in auto body repair and RV work provide a deep understanding of repair processes and costs.