When you\u2019ve suffered a major property loss in Texas, the decision to hire a Public Adjuster (PA) is often the first step toward a fair recovery.\u00a0However, the relationship between a PA and a policyholder is strictly governed by the\u00a0Texas Insurance Code<\/strong>.<\/p>\n\n\n\n In 2026, following the full implementation of\u00a0HB 2067<\/strong>, transparency is more than just a best practice, it is the law. Before you sign any agreement, here are the non-negotiable elements that must be in your contract to protect your rights.<\/p>\n\n\n\n Under Texas Insurance Code \u00a7 4102.103<\/strong>, every public adjuster contract must include a provision allowing you to cancel the agreement for any reason within 72 hours<\/strong> of signing.<\/sup><\/p>\n\n\n\n Texas law is very clear on how much a Public Adjuster can charge.<\/p>\n\n\n\n The 2026 implementation of HB 2067<\/strong> changed how information flows from the insurance company.<\/sup> Previously, you had to request<\/em> a written explanation for a denial or low settlement. Now, carriers must provide these automatically<\/strong>.<\/p>\n\n\n\n In Texas, a Public Adjuster cannot be the contractor on the same claim.<\/sup> This is a major ethical boundary. If a person offers to “handle your claim for free” as long as they get the construction work, they are likely violating Texas Insurance Code \u00a7 4102.158<\/strong>. Your contract should be a “service-only” agreement, ensuring that your PA\u2019s only goal is to maximize your financial recovery, not to sell you roofing materials.<\/p>\n\n\n\n Contract law in the Texas insurance industry is complex. By choosing an adjuster who has navigated the Texas market for over a decade, you aren’t just getting a signature on a page; you are getting a forensic audit of the carrier’s decisions. We don’t rely on outside engineers to tell us what\u2019s wrong; we use our own experience to identify technical gaps in the carrier\u2019s “automatic explanations” and hold them accountable to the TDI Consumer Bill of Rights<\/strong>.<\/p>\n\n\n\n The information provided on this blog is for general educational and informational purposes only and should not be construed as legal advice or a professional opinion on any specific insurance claim. While every effort is made to ensure the accuracy of the information presented, the Texas insurance landscape is subject to frequent regulatory changes, including the implementation of new laws like HB 2067 and updates to the Texas Insurance Code. Viewing this content or contacting our office through this website does not establish a public adjuster-client relationship. We are Licensed Texas Public Adjusters and do not provide legal services or engage in the unauthorized practice of law. Every insurance policy is unique, and coverage determinations are based on the specific language of your individual policy and the facts of your loss. For specific advice regarding your insurance claim or legal rights, you should consult with a licensed professional or a qualified attorney.<\/em><\/p>\n\n\n\n <\/p>\n","protected":false},"excerpt":{"rendered":" When you\u2019ve suffered a major property loss in Texas, the decision to hire a Public Adjuster (PA) is often the first step toward a fair recovery.\u00a0However, the relationship between…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-478","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts\/478","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/comments?post=478"}],"version-history":[{"count":1,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts\/478\/revisions"}],"predecessor-version":[{"id":479,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/posts\/478\/revisions\/479"}],"wp:attachment":[{"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/media?parent=478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/categories?post=478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/patriotclaimservices.com\/index.php\/wp-json\/wp\/v2\/tags?post=478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}1. The “72-Hour Rule” (Right of Rescission)<\/h4>\n\n\n\n
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2. Commission Caps and Fee Transparency<\/h4>\n\n\n\n
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3. The Impact of HB 2067 on Your Contract<\/h4>\n\n\n\n
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4. No “Conflict of Interest” Clauses<\/h4>\n\n\n\n
Why 11 Years of Experience Matters<\/h4>\n\n\n\n
\n\n\n\nLegal Disclaimer<\/h6>\n\n\n\n