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Texas public adjusters · Homeowners of America claims
Homeowners of America denied your claim or paid less than it takes to repair? We read the policy your agent placed, inspect the damage and compare it line by line with the insurer’s estimate. The review is free.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Homeowners of America Insurance Company. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Homeowners of America Insurance Company is based in Irving, Texas. Its former parent reported that it began selling property insurance in Texas in May 2006 through independent agents, offering homeowners, dwelling fire, tenant and condominium policies. Porch Group completed its acquisition of Homeowners of America in April 2021.
On the Texas Department of Insurance’s 2024 company-level homeowners list, Homeowners of America Insurance Company is 16th, with 1.62% of direct written premium.
General reasons Texas homeowners report for denied or short-paid claims, with any carrier (not a description of Homeowners of America’s internal rules):
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.
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.
Older roofs are often said to have failed from age rather than wind or hail. Storm dates, close-up photos, test squares and nearby damage reports help show what actually happened.
Policies often cover tearing out and replacing the part of the home needed to reach a covered plumbing leak, but not the pipe itself or foundation movement. How the leak happened and for how long decides a lot.
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 the insurer in writing for its adjuster’s estimate, photos and any engineer or contractor reports it relied on. Compare them line by line with the damage before you accept a payment or sign a release.
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
Real results
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 Homeowners of America claims.
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Yes. Independent agents sell the policy, but the insurer decides the claim. A public adjuster works only for you: we inspect, document, estimate and present the claim, and handle the back-and-forth with the insurer.
Ask for the inspection photos and estimate, then compare them with the roof: slopes affected, shingle type and availability, and code items. If damage was missed, a supplement or reinspection request with photos and measurements is the usual next step.
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 Homeowners of America 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.
