You've received your insurance settlement, or you have received nothing at all, because your claim was denied. That's the end of it, right? Wrong. Most states allow you to reopen your property insurance claim within a defined period of time. And, an insurance claim can be reopened for any type of property damage or property loss.

You generally have up to 1 or 2 years to reopen your claim. However this depends often upon both the State law and your particular Property Insurance Policy contract language. Of course, State law controls; but oftentimes the State law may be (as an example) something like Texas, which basically says:

“The Statute of Limitations for Property Claims is up to 4 years, but can not be less than 2 years.”

Then, most Insurance Companies use that to their advantage (other than “NFIP” [flood] and put a clause or paragraph in their contracts which states that the limit is 2 years, not 4.

But you've received a settlement check; “AND THAT’S THAT”. Right? WRONG. It is not true that receiving a settlement necessarily ends the case. Even if you've received a settlement check and have cashed it.

Who can help you with your damaged property insurance claims?  Public insurance adjusters are engaged by you and are on your side. Insurance companies hire "Independent Insurance Adjusters" to assess your claim, but they are paid by the insurance companies and protect their interests. A public insurance adjuster is an expert at reviewing your claim, determining if there is more money on the table for you, and negotiating with the insurance company to get you all the money you are owed.

So, if you feel like you've been underpaid or unjustly denied on your insurance claim, have found more possibly “covered damages” or “covered losses”, then speak to a Public Insurance Adjuster about your situation. If the conclusion is that you've received all you are owed, then you will get the “peace of mind” of knowing that from a “pro.”

However, if it is concluded that your hurricane ike claim should be reopened, Texas Public Insurance Adjusters are experts at getting additional money for their clients. Especially for claims that have been "settled" and even if the settlement check has been cashed.

So, if you are dissatisfied with your insurance settlement, unsure if it was properly paid or not, and even if you feel that it was paid fully and completely.  Unity Adjustments - Texas Public Adjusters will meet with you and perform a Free, No Obligation Claim Review to determine what additional money might be available to you.