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Abba Claims Frequently Asked Questions

Q:  Why hire a Public Adjuster if my insurance company has already assigned me an adjuster?

A: The adjuster your insurance company provides works for your insurance company.  Our licensed public adjusters work for YOU, as YOUR insurance claim advocates. A study* that was recently published showed that hurricane related claims that involved a public adjuster settled for OVER 700% MORE MONEY than claims settled between the insurance company and the policy holder.:  The adjuster your insurance company provides works for Non-catastrophe claims that involved a public adjuster settled for OVER 500% MORE MONEY.  As an added value, our public adjusters do not charge a fee :  The adjuster your insurance company provides works for we are able to recover money from your insurance company.

Q:  Can I file my insurance claim myself?

A:  Of course you can file your own claim, but it is not recommended. Insurance policies tend to be filled with complicated language and technical terms that make it very difficult to understand. Our Trusted Public Adjusters are the most skilled, seasoned and experienced public adjusters in the business.

Q:  Can I manage my insurance claim myself?

A:  Of course you can manage your own insurance claim, but it is not recommended.  We know how to sift through confusing insurance policy language to make sure you get paid the maximum amount possible. Often times, we are asked to help clients who unsuccessfully try to settle claims themselves.  Insurance companies hire adjusters to look out for their best interest, shouldn’t you? The public adjuster focuses only on your interests. 

Q: Why can’t my contractor represent me against my insurance company?

A:  Our Public Adjusters are licensed by the State and are the only claims adjuster who can lawfully represent the insured through the insurance claim process.
*** Contractors acting as public adjusters is against the law in Texas. If you notice a contractor violating the laws, please report this violation to the Texas Department of Insurance. Please make sure that your accusation is supportable by providing solid evidence when you report someone who is crossing the line.

Q:  I have already settled my claim but I did not receive enough money to cover the damages. Is it too late to try to get more money?

A: Whether your claim was under-paid or it was denied, as long as the damage occurred less than 5 years ago, it is not too late to collect more money. Our expert Public Adjusters will review your claim for FREE to see if you qualify for more money. Then, we will go after your insurance company for everything that you are owed.

Q:  How much money does a Texas Public Adjuster cost?

A:  Our Texas Public Adjusters only charge a fee if we obtain a settlement from your insurance company.  Maximum of 10% of the insurance claim settlement.  If you don’t get paid by your insurance company, you owe us nothing.

Q:  If I hire a Public Adjuster can I get a rate increase, or can my insurance company drop me?

A:  State law protects your right to hire a public adjuster. They cannot drop you or raise your rates because you decide to hire a public adjuster.

Q:  Do you only hire and work with licensed Public Adjusters?

A:  Property insurance policies obligate you, the insured or policyholder to prove the claim to the insurance company. Public adjusters are skilled in all aspects of the insurance claims process, thereby putting the insured on equal footing with their insurance carrier. Licensed public adjusters have expertise in many areas, including the understanding complex insurance policies from an adjuster’s point of view.

Public adjusters are also trained to identify covered damage and estimate appropriate repair or replacement costs. Public insurance adjusters are familiar the insurance industry and its customs and practices. As a result, they are able to present claims in such a way as to assure the most favorable outcome for the insured.

The immediate aftermath of an insurance loss is devastating and stressful. Knowing that a public insurance adjuster is carefully documenting the damage, and working on your behalf to ensure that you get every penny you deserve under the terms of your policy, brings peace of mind during a stressful time.

Q: What is a Public Adjuster?

A: Public adjusters represent the interests of the insured / policyholder in the preparation, presentation, and settlement of first party property insurance claims. Where staff and independent adjusters work on behalf of the insurance company, public adjusters work solely for the insured.

Public insurance adjusters in Texas, Colorado and Oklahoma are required to be licensed, and must follow strict guidelines set forth by the Texas Department of Insurance, including the manner in which they get paid. For example, most public insurance adjusters charge a percentage of the claim. In Texas, this fee cannot exceed 10 percent of settlement on the claim. There are other rules and regulations designed to assure that consumers in Texas are dealing with well education, professional, and ethical public adjusters.

Q: I live in a remote area, can I still use your services?

A: Absolutely! No matter where you are in the state, our licensed public adjusters will come to you, file your claim professionally and get you paid the maximum amount allowed by your policy.

Q:  When should I call your trusted adjusters?


A: You should contact our Trusted Adjusters immediately upon sustaining damage to your home or business property.  In addition, if you have experienced business interruption or theft. We will be able to provide you with the most benefit if our licensed & bonded public adjusters are involved with your insurance claim from the beginning.  We are also experts at adjusting claims that were denied by your insurance company. Also, we are extremely successful at recovering additional money on claims that were under-paid or denied.

Q: How do I contact you?

A: Our licensed Public adjusters are available 24/7 by calling toll free
(888) 908-2042, or in the Dallas-Fort Worth Metroplex (214)501-0598, Colorado (303)990-8294, Oklahoma (405)253-5320, Florida (813)418-7632.

Abba Claims Consultants Professional Services

Licensed Public Adjusters for

Texas - Tennessee - Georgia - Florida - New Mexico - Colorado

Your Private Insurance Adjuster

How We Work For You

The Insurance Claim Process and how we obtain the maximum amount on your claim.

Commercial Claims Process

We handle the entire insurance claims process so you can concentrate on running your life. There really is an advocate out there who offers a “Win-Win”.

Homeowners Claims Process

Abba Claims Consultants is the Public Adjusting Firm that provides Peace of Mind found when you know that your trusted ally is representing your best interest.

Multi Family Claims Process

Our Expert Public Adjusters file the claim for you, prepare a scope of work, prepare a detailed estimate of repairs, negotiate and settle Commercial, Homeowners and Multifamily Insurance Claims.







We Handle All Types Of Property Damage Insurance Claims

Licensed Public Adjusters for Texas, Florida & Colorado

Private Insurance Adjusters

Fire & Smoke Damage

Hail & Wind Damage

Water & Mold Damage

Theft & Vandalism

Building Collapse

Business Interruption

Commercial Claims

Residential Claims

Why I Need My Own Insurance Adjuster

Abba Claims Consultants are Public Insurance Adjusters...

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that provide the peace of mind found when you know that your trusted ally is representing your best interest. An industry leader and innovator in the negotiation and settlement of property damage insurance claims.

But what exactly is a Public Adjuster?

Public adjusters work hard to get their clients what is needed when dealing with property damage insurance claims to commercial and residential buildings.  It’s an exclusive relationship between client and the public adjuster that is set up to get claims settled so that policyholders can put their lives back together.  Public Insurance Adjusters are regulated by the Department of Insurance or Regulatory Agencies in each state.

Unfortunately, we do not handle auto claims.

Why You May Need the Services of a Public Adjuster?

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As stated in their insurance policy, an insured-policyholder must prove the claim to the insurance company, Public Insurance Adjusters are experts in the process of all areas of an insurance claim.  This helps “Level the Playing Field” with the insurance company. Licensed public adjusters are experienced in understanding the complexity of insurance policies.

Our Abba Claims Consultants Public Adjusters are trained to identify covered damage and estimate the appropriate repair or replacement costs. Public Insurance Adjusters know the “ins and outs” of the insurance industry, its customs, and practices. Because of this, we are able to present your claim to the insurance carrier in such a way to assure the most favorable outcome.

How Can A Public Insurance Adjuster Help Property Owners?

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The claims adjuster that represents the insurance company and YOU at the same time creates a “Conflict of Interest”.

Eliminate this by allowing Abba Claims Public Adjusters to represent you.  We serve policyholders in many capacities.

The “Professional Services” area outlines the many ways that we are available to assist in the insurance claims resolution process.

Schedule A FREE Consultation

We're YOUR Protection! We Know What To Do!


Contact Your Public Insurance Adjusters

Abba Claims Consultants

We provide Public Adjusting Services to homeowners & business owners across the States of Texas, Tennessee, Georgia, Florida, New Mexico, Kansas & Colorado.

Ches Bostick Texas Public Insurance Adjuster License #1400001 and Kansas Public Insurance Adjuster License #1222906

Abba Claims Consultants, LLC Texas Public Insurance Adjuster License #2003555

Call (888) 908-2042 for service.