When an insurance company sends its own adjuster to evaluate your damage, you need someone in your corner with equal expertise. Fusion Public Adjusters is a licensed public adjuster based in Dallas, TX, who represents policyholders — not carriers — through every stage of the claims process. From the initial inspection to the final check, Fusion Public Adjusters documents, negotiates, and advocates on your behalf.
Get in touch
Tell Fusion Public Adjusters about your claim. Most inquiries get a reply the same day.
What Fusion Public Adjusters helps with
public_adjuster claims
Hurricane claims
Fire and smoke damage
Water damage and burst pipes
Hail and storm damage claims
How Fusion Public Adjusters works with homeowners
1
Free consultation
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.
Service area
Dallas, TX
Dallas
Dallas 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.
Representative outcomes
Typical public adjuster results on common claim types in Texas. Actual outcomes depend on policy language, damage, and timing.
Smoke-damage contents recovery
Fire and smoke
A contained kitchen fire left structural damage limited — but smoke and soot traveled through the HVAC into every room. The carrier's initial scope treated contents as cleanable. Line-by-line inventory, independent hygienist testing, and non-salvageable declarations for soft goods brought contents recovery from about $9K to over $50K, plus ALE for the family's temporary stay.
$14K → $62KWater damage
Burst supply line, kitchen ceiling collapse
A Dallas homeowner came home to a ceiling already on the floor — an upstairs supply line had failed overnight. The carrier's field adjuster scoped cosmetic drywall repair and a fraction of the flooring. Reopening the claim with proper moisture mapping, cabinet box damage documentation, and code-required electrical work moved the settlement from roughly $14K to $62K — enough to replace the full affected floor and bring the home back to pre-loss condition.
Carriers public adjusters commonly handle
If your policy is with any of these, Fusion Public Adjusters can help.
State FarmAllstateFarmersTravelersUSAALiberty MutualNationwideProgressive
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Questions people ask
What does a public adjuster actually do?
A licensed public adjuster works for you — the policyholder — not the insurance company. They document your damage, interpret your policy, and negotiate directly with the carrier so you recover the full amount you're owed. Fusion Public Adjusters handles the paperwork, inspections, and calls so you can focus on getting your life back together.
How does a public adjuster get paid in Texas?
Public adjusters in Texas work on contingency — a percentage of the settlement they recover. There's no upfront cost. If you don't recover, you don't pay. Fee percentages are regulated by state law and disclosed in writing before any work begins.
When is the right time to hire a public adjuster?
The earlier the better. Bringing Fusion Public Adjusters in before you file (or right after you file) means the damage gets documented properly from the start. But even after a denial, delay, or lowball settlement, a public adjuster can re-open the claim and pursue a supplement — Texas law allows it.
Will hiring a public adjuster slow down my claim?
The opposite, usually. Carriers respond faster when there's a licensed professional managing the paper trail, deadlines, and inspections. Fusion Public Adjusters knows what documentation the carrier needs and how to move the claim forward without the back-and-forth that stalls most homeowners.
What's the difference between a public adjuster and a field adjuster?
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 you. Same job title — opposite sides of the table.
Answers based on public adjuster best practices in Texas. Fusion Public Adjusters can speak to your specific situation in a free call.
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