Public Adjuster Firm — Austin, TX
No Settlement, No Fee — Your Advocate in Every Claim
Insurance Claim Hero LLC was founded by Andy Rouhafzai after he personally experienced what too many policyholders face: two burst-pipe water damage claims, shady adjuster tactics, delayed responses, and a wrongful denial. He founded ICH in 2023 so no one else has to fight that battle alone. As a licensed Texas public adjuster, Andy works exclusively for policyholders — never the carrier — handling the documentation, negotiations, and follow-through so you can focus on getting your life back. ICH operates on a contingency basis: if you don't recover, you don't pay.
Share what happened and review your policy and damage together.
On-site assessment, photos, measurements, and scope of loss — the record carriers take seriously.
Your claim is filed, tracked, and negotiated on your behalf with a clear paper trail.
Public adjusters typically work on contingency — a percentage of what's collected, disclosed in writing up front.
State license
3118729 · TX
Issued by Texas Department of Insurance
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.
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.
Contingency-fee billing means no out-of-pocket cost. The percentage is disclosed in writing upfront and regulated by state law.
Even a claim you already settled can be reopened. Supplements on missed line items are common — and often substantial.
A Round Rock homeowner received an initial estimate covering only cosmetic repairs after a major hail event. ICH re-inspected the property, documented full structural damage to the roof deck and gutters, and negotiated a complete replacement-cost settlement.
Carrier denied a burst-pipe water loss citing a "gradual leak" exclusion. ICH engaged an independent plumber, documented the sudden failure, and successfully reversed the denial — securing full remediation and repair coverage.
A San Antonio restaurant owner's wind damage claim was settled by the carrier at ACV with significant depreciation holdbacks. ICH documented recoverable depreciation and code-upgrade supplements, recovering the full replacement cost plus business interruption losses.
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A licensed public adjuster works for the policyholder — not the insurance company. They document damage, interpret the policy, and negotiate with the carrier on the policyholder's behalf, handling the paperwork, inspections, and calls throughout the claim.
Public adjusters typically work on contingency — a percentage of the settlement they recover — with fee terms regulated by state law and disclosed in a written contract before work begins. Ask any adjuster to walk you through their fee agreement up front.
Generally, the earlier the better: involving one before or right after filing means the damage gets documented properly from the start. Even after a denial, delay, or low settlement, a public adjuster may be able to reopen the claim and pursue a supplement.
Usually the opposite. Carriers tend to respond faster when a licensed professional is managing the paper trail, deadlines, and inspections, because the documentation arrives in the form carriers expect.
A field adjuster works for the insurance company — they come out to assess damage on the carrier's behalf. A public adjuster works only for the policyholder. Same job title — opposite sides of the table.
General information about how public adjusters work in Texas — not statements written by Insurance Claim Hero.
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