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Texas public adjusters · Allied Trust claims
Allied Trust denied your claim or paid less than it takes to repair your home? We review the decision against your policy, inspect the damage and tell you for free whether there is a realistic path to more.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Allied Trust Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Allied Trust Insurance Company is a Texas-domiciled, admitted property and casualty insurer that underwrites homeowners and other property insurance in Texas, Louisiana, North Carolina and South Carolina, as described in reinsurance-market coverage of its catastrophe bond program.
On the Texas Department of Insurance’s 2024 company-level homeowners list, Allied Trust Insurance Company is 29th, with 0.70% of direct written premium.
General reasons Texas homeowners report for denied or short-paid claims, with any carrier (not a description of Allied Trust’s internal rules):
Many policies use a wind and hail deductible set as a percentage of the dwelling limit. Put every damaged item in the estimate, including fences, gutters, screens and interior water damage, before judging whether the loss clears it.
Dents in metal roofing, gutters or siding are sometimes treated as cosmetic, and some Texas and Colorado policies carry endorsements that limit cosmetic hail damage to certain roof types. Read the endorsement, then document functional damage such as fractured shingle mats, granule loss and cracked tiles.
Some policies pay roofs on an actual cash value basis or by a roof payment schedule based on age. Check the declarations page and endorsements before accepting the roof figure.
Many policies cover sudden water damage but exclude repeated seepage or leakage over time. A plumber’s written report on the cause and timing of a leak can make the difference.
Furniture, flooring, appliances and personal property are easy to undercount. A room-by-room inventory with photos, model numbers and receipts helps, and replacement cost policies may hold back depreciation until items are replaced.
Ask for a complete copy of the policy in force on the date of loss, including endorsements. Denial letters often cite an endorsement, such as a cosmetic-damage or roof-schedule endorsement, that isn’t spelled out on the declarations page.
A Texas insurer must accept or reject a claim in writing within 15 business days after it receives everything it asked for, or within 45 days if it notifies you why it needs more time. A rejection must state the reasons (Tex. Ins. Code § 542.056).
Acknowledgment and information requests within 15 days of notice (§ 542.055); payment within 5 business days after the insurer says it will pay (§ 542.057). After a commissioner-declared weather catastrophe, deadlines get 15 more days (§ 542.059).
Find the exclusion or condition the letter relies on, plus your deductibles (often a percentage for wind and hail) and any cosmetic-damage or roof endorsements.
Appraisal is for disputes about the amount of the loss, not coverage. Each side hires an appraiser, and an umpire decides differences; TDI describes the umpire’s decision as binding.
You can complain to TDI in writing. According to TDI, if the damage was caused by a disaster, you must notify the insurer in writing at least 61 days before suing. Coastal wind claims under TWIA have a 1-year filing deadline.
More on Texas claims: Texas public adjusters
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Real claims our clients authorized us to share, with their exact numbers. Our case records don’t name the insurance company, so these are not presented as Allied Trust claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Report the claim promptly, make temporary repairs to prevent more damage and keep receipts, and photograph every elevation and room before cleanup. If you’re in a coastal county with TWIA wind coverage, the wind claim may go to TWIA rather than your homeowners insurer.
Ask for the insurer’s estimate and photos in writing and compare them line by line with your contractor’s: quantities, materials, labor, code items and overhead. Missed items can often be submitted as a supplement.
Under the Texas Prompt Payment of Claims Act, an insurer generally must acknowledge a claim within 15 days (Tex. Ins. Code § 542.055) and accept or reject it in writing within 15 business days after receiving everything it asked for, or up to 45 days if it tells you why it needs more time (§ 542.056). Once it agrees to pay, payment is due within 5 business days (§ 542.057). After a weather catastrophe declared by the commissioner, these deadlines get 15 more days (§ 542.059).
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources checked September 27, 2026.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Allied Trust Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.
