Your Property Is Destroyed.Your Insurance Company Is Not on Your Side.
Right now, your insurance carrier is assigning adjusters whose job is to pay you as little as legally possible. They have engineers, lawyers, and claims teams working against you.
You need someone fighting just as hard - but for you.
$0 upfront. We only get paid when you do.
Available 24/7. Free consultation. No obligation.
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Experience
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Time-sensitive: Texas law imposes strict deadlines on insurance claims. Evidence deteriorates daily. The sooner you act, the stronger your case.
What They Don't Tell You
The Insurance Company's Playbook Against You
Your insurance company isn't a charity. They're a publicly traded corporation with shareholders to please. Here's exactly what they're doing right now to minimize what they pay you:
They Send Their Own Adjuster - Not Yours
The adjuster who shows up at your door works for the insurance company. Their performance is measured by how little they pay out. They are not there to help you - they're there to protect the carrier's bottom line.
They Lowball the First Offer
Studies show initial insurance offers are routinely 50-80% below the true cost of repairs. They're counting on you not knowing what your damage is actually worth - and accepting out of desperation.
They Stall and Delay
The longer your claim takes, the more desperate you become. Delayed inspections, 'lost' paperwork, endless requests for documentation - it's all designed to wear you down until you accept less.
They Use Policy Language Against You
Your policy is dozens of pages of legal language written by the carrier's attorneys. They know every exclusion, sublimit, and technicality - and they'll use them to deny or reduce your claim.
This Is Why Public Adjusters Exist.
A licensed Public Adjuster is the only professional legally allowed to represent you - the policyholder - in your insurance claim. We are your fiduciary. We fight the insurance company so you don't have to fight alone.
312%
Average increase in settlement with a Public Adjuster
OPPAGA Study
We Specialize in Large Losses
Whatever Hit Your Property, We've Fought That Battle Before - And Won.
30+ years. 20+ hurricanes. Hundreds of millions recovered. We know exactly how insurance companies try to underpay each type of damage - and exactly how to stop them.
Fire & Smoke Damage
Your carrier will try to blame maintenance, pre-existing conditions, or undercount damaged contents. We document every scorched wall, smoke-stained surface, and ruined possession - and force the full payout.
Water & Flood Damage
Hidden moisture breeds mold within 48 hours. Insurance companies stall inspections hoping water damage becomes a 'maintenance issue' they can deny. Every hour matters.
Hurricane & Wind Damage
After every Texas hurricane, carriers deploy catastrophe teams trained to close claims fast and cheap. They'll lowball your roof, ignore structural damage, and pressure you to settle before you understand the full scope.
Hail & Storm Damage
That first offer from the insurance company? It almost certainly doesn't account for all the damage. Hail impacts HVAC systems, gutters, siding, and interior ceilings that only trained eyes catch.
Protect Yourself
5 Costly Mistakes Property Owners Make After Disaster
We've seen thousands of claims. The property owners who lose the most money almost always make one of these mistakes:
Accepting the first offer
The carrier's initial estimate is almost never the full amount you're owed. It's an opening negotiation position - not a fair settlement.
Signing documents without understanding them
Insurance companies slip release language into paperwork that waives your right to additional compensation. Once signed, you can't go back.
Waiting too long to file or reopen
Texas has strict deadlines. Evidence degrades. Temporary repairs mask the full extent of damage. Every day you wait weakens your case.
Doing repairs before documenting everything
Once you repair the damage, the proof is gone. Insurance companies will argue the damage wasn't as bad as you claim.
Fighting the insurance company alone
You're a homeowner going up against a billion-dollar corporation with teams of adjusters, engineers, and lawyers. You wouldn't represent yourself in court. Don't represent yourself in a six-figure claim.
The Bottom Line
Homeowners who handle claims alone receive on average 3x less than those represented by a Public Adjuster.
Source: Office of Program Policy Analysis and Government Accountability (OPPAGA)
Simple. Fast. Free.
Getting What You're Owed Takes 3 Steps
You focus on your family. We handle the insurance company.
Call Us or Submit Your Claim
Tell us what happened. We'll review your situation for free - no strings, no pressure. If we can't help, we'll tell you honestly.
We Take Over Your Claim
Our team inspects the damage with trained eyes, documents every detail using Xactimate (the same software the carriers use), reads your policy cover to cover, and negotiates directly with the insurance company on your behalf.
You Get the Settlement You Deserve
We don't stop at the first offer. We fight until you receive your full, rightful settlement - the money you need to actually rebuild your life.
Real People. Real Results.
They Were in Your Exact Situation. Here's What Happened.
These property owners had their claims denied, delayed, or drastically underpaid. Then they called Crossroads. Watch them tell you - in their own words - what happened next.
"Crossroads fought for us when the insurance company tried to underpay our fire claim. They recovered far more than what was initially offered. Truly our advocates."
- Dell Dale Avenue Baptist Church
"After our home was damaged, Crossroads took over and made the entire process stress-free. They maximized our settlement and kept us informed every step of the way."
- The Myers Family
Why Crossroads
When You Hire Crossroads, Here's What You Get
Not just any public adjuster. The firm that insurance companies respect - and fear.
A Licensed Fiduciary on Your Side
We are legally obligated to act in YOUR best financial interest. Not the insurance company's. Not ours. Yours. That's not a marketing slogan - it's Texas law.
The Same Software the Carriers Use
We write estimates in Xactimate - the industry standard. When we submit a claim, we speak the carrier's language. They can't dismiss our numbers because we use their own system.
30+ Years of Battle-Tested Experience
20+ major hurricanes. 30+ flood events. Three decades of going toe-to-toe with every major carrier in Texas. We've seen every trick in the book - and we know how to counter each one.
IICRC Certified Contents Specialists
Our team holds certifications in fire, smoke, and water damage restoration. We find and document damage that general adjusters miss - the contents, the hidden moisture, the structural issues behind walls.
Zero Risk to You
No upfront fees. No retainers. No hourly billing. We work on contingency - if we don't recover more for you, you owe us absolutely nothing. We only win when you win.
You Don't Lift a Finger
We handle the inspections, the documentation, the paperwork, the phone calls, the negotiations, and the follow-ups. You focus on your family. We handle the fight.
Trusted by Thousands
Over 30,000 Texans Follow Crossroads
Our Facebook community is one of the largest for any public adjusting firm in Texas. Join thousands of homeowners and business owners who rely on us for storm updates, claim tips, and real recovery stories.
Live storm tracking & weather alerts for Texas property owners
Real claim results posted weekly - see what we recover for clients
Expert tips on protecting your property and navigating insurance
Direct access to our team for questions about your situation
Who's Fighting For You
Led by Decades of Experience
Dale Terry, Partner, grew up in the property insurance restoration business. He's personally worked over 20 major hurricane events and 30+ flood events across three decades. Insurance companies know his name - and they know he doesn't back down.
John Terry, Partner, brings his LSU economics degree and 7+ years of dedicated public adjusting experience to ensure every claim is meticulously documented and maximized down to the last dollar.
The Clock Is Ticking
Every Day You Wait Is a Day the Insurance Company Wins.
Evidence deteriorates. Deadlines pass. Temporary repairs hide the true extent of damage. The carrier is counting on you giving up or settling for less.
One free phone call can change everything. We'll review your claim, tell you what you're likely owed, and - if you want us to - we'll take over the fight from there.
You pay nothing unless we win. Period.
Available 24/7. No upfront fees. No obligation. Completely confidential.