Question 1

What is a public adjuster?

Accepted Answer

A public adjuster represents the policyholder, not the insurance carrier. Peril Adjusters is a licensed Texas Public Adjuster (TDI License 2755301) working exclusively for commercial policyholders to maximize insurance recovery.

Question 2

Can I reopen a settled commercial insurance claim?

Accepted Answer

In Texas, policyholders have two years from the date of loss to file or supplement a commercial property insurance claim. A closed claim is not a final claim.

Question 3

What does Peril Adjusters charge?

Accepted Answer

Peril Adjusters operates on a 10% contingency fee applied to the recovery above the carriers existing offer. If we do not recover additional funds, you owe nothing.

Question 4

Does Peril Adjusters handle HOA claims?

Accepted Answer

Yes. HOA and condominium association claims are a core specialty. We enforce matching material obligations, recover unauthorized depreciation, and eliminate special assessment risk.

Question 5

Does Peril Adjusters handle church and non-profit claims?

Accepted Answer

Yes. We represent faith communities and non-profits across Texas, specializing in recovering business income for lost program revenue in addition to full physical damage recovery.