TWIA Windstorm Claims
Roof, siding, windows and wind-driven rain. We know the association's rules, deadlines and WPI-8 requirements.
TWIA claims help
Licensed Texas public adjusters · Galveston County
Galveston Public Adjuster: Get Paid What Your Claim Is Really Worth
Hurricane, windstorm, fire or flood — your insurance company has an adjuster working for them. As your Galveston public adjuster, we work only for you: we document every inch of damage, handle TWIA and private carriers, and fight denied and underpaid claims.
- No recovery, no fee
- TWIA expert on every windstorm file
- Free, no-obligation review
$0Up front — we're paid only if you are
1 yrDeadline to report a TWIA windstorm claim
10%Maximum public adjuster fee under Texas law
14Galveston County communities served
Claims we handle
One Galveston public adjuster for every kind of property loss
On the island and across Galveston County, we handle residential and commercial claims from the first photo to the final check.
Hurricane Damage
Named-storm deductibles, wind vs. flood disputes, ALE and contents. We separate and prove every cause of loss.
Storm historyFire & Smoke Claims
Structure, contents, smoke and soot migration, HVAC contamination and living expenses — the items insurers most often leave out.
Galveston fire claimsFlood & Water Damage
NFIP and private flood policies, burst pipes, slab leaks and mold. We make sure the right policy pays for the right damage.
Get a reviewRoof & Hail Claims
Creased, lifted and missing shingles, matching, code upgrades and decking. See what wind does to shingles in our calculator.
Wind calculatorDenied & Underpaid
"Wear and tear," "pre-existing," "flood not wind" — we challenge the reason with evidence, supplements and appraisal.
Claim guidesCommercial Property
Hotels, rentals, restaurants and shops on the Strand and Seawall — building, inventory and business interruption.
Talk to usReopened Claims
Already settled but found more damage? Many policies allow supplements. We review old files for missed items.
Check my claim
Why hire a public adjuster
Their adjuster protects their money. Your Galveston public adjuster protects yours.
The adjuster your insurance company sends is paid by the insurance company. Their estimate is a starting point — and it routinely leaves out creased shingles, code-required upgrades, matching, overhead and profit, contents and hidden water damage.
- We read your entire policy — endorsements, exclusions and deductibles
- We build a line-by-line estimate in Xactimate — the same software the carriers use — backed by Matterport 3D imaging
- We photograph, measure and moisture-map the damage before repairs
- We handle every call, email and re-inspection so you don't have to
- We push back on denials and lowball offers with evidence, not arguments
The difference
Insurance company adjuster vs. your public adjuster
Carrier / TWIA field adjuster
- Hired and paid by the insurance company
- Handles dozens of claims after a storm
- Quick inspection, often ground-level only
- Estimate written to the carrier's guidelines
- Won't point out coverage you didn't claim
Galveston Public Adjuster
- Hired by you, paid only if you're paid
- A licensed Texas adjuster who lives the coast
- Full roof-to-slab inspection with documentation
- Complete estimate: code, matching, O&P, contents
- TWIA expert handling deadlines and disputes
How it works
From storm damage to settlement check in four steps
Free claim review
Call or send the form. We review your policy, photos and any offer or denial letter — free, with no obligation.
Inspect & document
We inspect the property top to bottom, photograph and measure everything, and identify all covered damage.
Estimate & file
We prepare a detailed estimate and proof of loss and present the claim to your carrier or TWIA.
Negotiate & recover
We negotiate, attend re-inspections and escalate to appraisal when needed until the claim is paid.
TWIA claims help
A TWIA expert in your corner
The Texas Windstorm Insurance Association insures most homes on Galveston Island, and its claims process has rules and deadlines private carriers don't. Reporting windows, WPI-8 certificates, "wind vs. water" disputes and TWIA's own appraisal and notice requirements can decide whether a claim is paid in full.
With the right representation, your windstorm claim is filed right the first time — and challenged correctly if TWIA gets it wrong.
- TWIA-specific claim filing and deadline tracking
- Wind-driven rain vs. flood damage separation
- Supplements, re-inspections and appraisal
Free tools & local knowledge
Resources for Galveston property owners
Everything we use on real claims, published for you.
Shingle Wind Damage Calculator
See what 60 to 180 mph winds do to shingles rated for different speeds — plus wind ratings for 10 top manufacturers.
Claim Payout Calculator
Compare your insurer's offer with what you'd net after your deductible and our fee.
Texas Windstorm Rules
TWIA eligibility, WPI-8 certificates, claim deadlines and dispute steps in plain English.
Galveston Local Code
Wind design speeds, roofing and floodplain rules that decide what your claim should include.
Galveston Storm History
From the 1900 Storm to Ike and Beryl — how the island's storms shaped today's insurance.
Weather Events: 70+ mph Winds
Updated weekly: every day Galveston winds reached 70 mph or more — the level where roof damage begins.
Meet your adjuster
Local, licensed and personally involved
Joseph Dittman is a licensed Texas public adjuster who works claims across Galveston Island, Bolivar, Tiki Island, Jamaica Beach and the mainland. Every file gets Joseph's personal attention — no call centers, no hand-offs. (Rise Public Adjusting LLC, TX License #3356839.)
When you call a Galveston public adjuster from our office, you get straight answers: whether your claim is worth pursuing, what's missing, and what it realistically should pay. If you don't need us, we'll tell you.
Get a free claim review
Tell us what happened. A Galveston public adjuster will call you back — usually the same day.
Claim guides
Latest from the blog
New, practical guides every week from Joseph Dittman.
Sworn Proof of Loss in Texas: How to Fill It Out Right
What a sworn proof of loss is, when your Texas insurer or TWIA can ask for one, what goes on the form, and the mistakes that shrink Galveston claims.
Read the guideSmoke Damage Claims: A Galveston Homeowner's Guide
Smoke damage claims explained for Galveston homeowners: what is covered, hidden soot and odor damage, how to document it, and how to avoid an underpaid claim.
Read the guideHome Insurance Adjuster Estimate Too Low? What to Do Next
Home insurance adjuster estimate too low? Learn why Galveston claims get underpaid, how to read the estimate, and the steps to request a fair supplement.
Read the guide
Questions
Galveston public adjuster FAQ
What does a Galveston public adjuster do?
A public adjuster is a licensed professional who represents you, the policyholder — not the insurance company. We inspect the damage, read your policy, build a complete estimate, document the loss, file and negotiate the claim with your carrier or TWIA, and push back on denials and lowball offers until the claim is paid correctly.
How much does a public adjuster cost in Texas?
Nothing up front. We work on a contingency fee that is a percentage of the claim payment, and Texas law caps public adjuster fees. If we do not recover money for you, you owe us nothing. Use our claim payout calculator to see what you would net after the fee.
Can you help if TWIA already denied or underpaid my claim?
Yes. Many of our files start after a denial or a low offer. We can reopen the claim, supplement it with new documentation, and use the appraisal or dispute process when needed. Deadlines apply, so call as soon as possible.
How long do I have to file a TWIA windstorm claim?
TWIA requires that a claim be reported within one year of the date of loss (with limited good-cause extensions). See our Texas windstorm rules page for every deadline in the process.
Do I need a public adjuster for a small claim?
Not always. If the damage is minor and the offer is fair, you may not need us — and we will tell you so honestly during the free review. Public adjusters add the most value on large, complex, denied or underpaid claims.