Andy Rouhafzai founded Insurance Claim Hero in 2023 after personally navigating two burst-pipe water damage claims — and experiencing firsthand the shady adjuster tactics, delayed responses, and wrongful denials that insurers too often use against policyholders. Andy is a licensed public adjuster in Texas, New Mexico, Virginia, Maryland, and Washington D.C. He works exclusively for policyholders — never the carrier — handling the documentation, negotiations, and follow-through so you can focus on getting your life back together. ICH operates on a contingency basis: if you don't recover, you don't pay.
2+ years in claimsSpeaks English
Get in touch
Tell Andrew about your claim. Most inquiries get a reply the same day.
Share what happened. Review your policy and damage. No cost, no pressure.
2
Inspection & documentation
On-site assessment, photos, measurements, and scope of loss — the record carriers take seriously.
3
Claim filing & negotiation
Your claim is filed, tracked, and negotiated on your behalf with a clear paper trail.
4
Settlement recovery
You only pay if you recover — a percentage of what's collected. No recovery, no fee.
Credentials & License
State license
3113116 · TX
Issued by Texas Department of Insurance
Verified· Apr 2026
Professional credentials
NAPIA (National Association of Public Insurance Adjusters)Licensed Texas Public Adjuster — License #3113116Licensed in NM, VA, MD, DC
Self-reported by the provider
Service area
Austin, TX
Austin
Austin metro area
Texas statewide
Why hire a licensed public adjuster in Texas
Works for you, not the carrier
A licensed public adjuster is the only claims professional legally allowed to represent you — the policyholder. Field adjusters and independent adjusters work for the insurance company.
Documents losses the carrier takes seriously
Claims move faster and pay fairer when the paperwork, photos, and scope of loss are prepared the way carriers expect. That's the whole job.
Only gets paid if you recover
Contingency-fee billing means no out-of-pocket cost. The percentage is disclosed in writing upfront and regulated by state law.
Handles denials, underpayments, and supplements
Even a claim you already settled can be reopened. Supplements on missed line items are common — and often substantial.
Past work
Burst pipe under slab — carrier offered $8K, settled $47K
WATER
An Austin homeowner discovered water pooling in their living room from a burst supply line under the slab foundation. The carrier's field adjuster scoped cosmetic floor replacement and partial drywall repair — $8,200 total. ICH documented slab moisture migration, cabinet damage, baseplate mold risk, code-required electrical rerouting, and temporary housing eligibility. The supplemented claim settled at $47,000 — enough to fully remediate, replace flooring throughout the affected wing, and cover two months of ALE.
Hail denial reversed with storm data and test-square inspection
HAIL
After a spring hailstorm swept through Travis County, the carrier denied a roof replacement claim, calling the damage "cosmetic and pre-existing." ICH performed a calibrated test-square inspection across six roof planes, documented granule loss patterns, and cross-referenced NOAA storm-data timestamps with the property's coordinates. The re-presented claim included a forensic weather report and manufacturer specifications showing the shingles had exceeded their damage threshold. The denial was reversed: full tear-off and replacement, plus damaged gutters and window screens.
Kitchen fire smoke migration — $22K to $89K
FIRE
A grease fire in a Cedar Park home was quickly extinguished, but smoke had migrated through the HVAC system into every room. The carrier's initial estimate covered only the kitchen: char removal, cabinet replacement, and repaint — $22K. ICH documented smoke particulate on soft goods in three bedrooms, protein residue inside ductwork, ozone treatment requirements, and contents cleaning for over 200 line items. The final settlement reached $89K, including full HVAC cleaning, contents restoration, and Additional Living Expenses for the family during remediation.
Carriers Andrew has worked with
Andrew has handled claims involving these insurance carriers.
State FarmAllstateFarmersTravelersUSAALiberty MutualNationwideProgressiveChubbAmerican Family
Be the first to share your experience with Andrew.
Questions people ask
Why would I hire a public adjuster instead of handling the claim myself?
Insurance policies are written in carrier-friendly legalese, and the scope of a loss is almost always bigger than what a field adjuster documents on a one-hour walk. A licensed public adjuster works only for you — measuring, photographing, policy-interpreting, and negotiating — so the claim reflects the actual damage, not the carrier's best-case reading of it.
How does your fee work?
Contingency. A percentage of what we recover for you, disclosed in writing before any work begins, regulated by Texas state law. If you don't recover, you don't pay — period.
I already settled. Can you still help?
Often yes. Texas allows reopening a claim for supplemental items within the policy's contractual period. We review the carrier's estimate line-by-line against the actual damage and file a supplement for missed scope. Most settlements have meaningful money left on the table.
What if my claim was denied outright?
A denial is a position, not the end of the road. We review the denial letter, your policy, and the underlying documentation, then either re-present the claim with better evidence or refer to an attorney if the carrier is acting in bad faith.
How fast can you start?
Same day for active losses. We can be on-site within 24 hours in most of Texas and coordinate remotely in NM, VA, MD, and DC the same day you call.