Every document references the Texas statutes that matter — §542.055, §542.056, §542.058, §541.060. Generate a professional, carrier-ready document in 90 seconds.
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The Texas Prompt Payment of Claims Act (TPPCA) gives public adjusters powerful leverage. These statutes are cited in every document we generate.
Texas carriers must acknowledge receipt of your claim within 15 business days and begin investigation. Missing this deadline triggers penalty interest under the TPPCA.
Generate Claim TimelineAfter receiving all required documentation, the insurer has 15 business days to accept or reject the claim in writing. A Demand Letter citing this deadline creates immediate pressure.
Generate Demand LetterOnce a claim is accepted, the carrier must pay within 5 business days. Failure to pay on time triggers 18% annual penalty interest plus attorney's fees under the TPPCA.
Generate Bad Faith Demand LetterChapter 541 prohibits carriers from misrepresenting policy terms, failing to attempt good-faith settlement, or making unreasonable low offers. Bad faith claims arise under this statute.
Generate Bad Faith Demand LetterTexas public adjusters must be licensed by TDI. Fees are capped at 10% of the claim settlement for catastrophe claims. Contracts must be in writing and cancellable within 72 hours.
Generate Document ChecklistTexas requires a sworn proof of loss within the time specified in the policy. A properly executed proof of loss starts the TPPCA payment clock running in your favor.
Generate Proof of Loss StatementEvery document includes Texas statute citations, TPPCA penalty language, and the exact format insurance companies expect.
Itemized damage estimate with Xactimate codes and Texas RCV calculations for hail, wind, and flood claims.
Formal demand citing TX Ins. Code §542.056 with a 15-business-day payment deadline and TPPCA penalty language.
Chapter 541/542 bad faith demand citing 18% penalty interest and attorney's fees for unreasonable delay or denial.
Sworn statement meeting Texas policy requirements, starts the TPPCA 5-day payment clock.
Supplement letter for newly discovered damage, citing Texas RCV entitlement and carrier obligations.
Chronological record tracking TX §542.055 and §542.056 carrier response deadlines for TDI complaints.
Texas sees over 1.5 million property insurance claims annually — more than any other state. With hail storms, hurricanes, tornadoes, and freeze events driving massive claim volumes, Texas public adjusters need documents that cite the TPPCA deadlines and apply the right statutory pressure.
Every document cites the applicable Texas statute — §542.055, §542.056, §542.058, §541.060, and more.
Generate a complete, carrier-ready document in 90 seconds — not 90 minutes.
Xactimate line items, DFW and Houston pricing, and Texas-specific TPPCA penalty language built in.
Used by licensed Texas public adjusters handling hail, wind, flood, and freeze claims statewide.
Under the Texas Prompt Payment of Claims Act (Texas Insurance Code Chapter 542), an insurer must acknowledge your claim within 15 business days, accept or deny it within 15 business days of receiving all required documentation, and pay the accepted claim within 5 business days. Failure to meet these deadlines triggers 18% annual penalty interest plus attorney's fees.
The Texas Prompt Payment of Claims Act (Texas Insurance Code §542.051 et seq.) sets strict deadlines for insurance companies to investigate, accept or deny, and pay first-party property claims. If an insurer misses these deadlines, the policyholder is entitled to 18% annual interest on the unpaid amount plus reasonable attorney's fees.
Yes. A licensed Texas public adjuster can re-inspect the property, prepare a detailed scope of loss, and send a formal demand letter citing the applicable Texas Insurance Code sections. Many underpaid claims are successfully supplemented with proper documentation and statutory pressure.
Texas Insurance Code Chapter 541 prohibits unfair and deceptive insurance practices, including misrepresenting policy terms, failing to attempt a good-faith settlement, and making unreasonably low settlement offers. Violations give policyholders a private right of action for actual damages, plus up to three times actual damages for knowing violations.
Under Texas Insurance Code §4102, public adjuster fees for claims arising from a catastrophe declaration are capped at 10% of the total claim settlement. For non-catastrophe claims, fees are negotiable but must be disclosed in writing. All public adjuster contracts must be in writing and the insured has 72 hours to cancel.
You can file a complaint with the Texas Department of Insurance (TDI) at tdi.texas.gov. A formal Claim Timeline documenting every carrier communication, deadline missed, and payment delay is essential evidence for a TDI complaint or subsequent bad faith lawsuit under Chapter 541 or 542.
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