1 ENE Edinburg
0.7" hail (marble)Public reported.
Source: NWS Local Storm Report · Reported by Public
Last verified Oct 3, 2026 7:34 AM CDT
Licensed Texas public adjusting · TDI License #3356839
McAllen Public Adjuster Helping Property Owners Navigate Insurance Claims
Dealing with hail damage, storm damage, fire damage, water damage, or a denied insurance claim? McAllen Public Adjuster helps homeowners and business owners document property losses, review insurance estimates, and understand their claim options.
- We represent the policyholder only
- Residential & commercial claims
- McAllen & Hidalgo County
Free Claim Review
Tell us what happened. A licensed public adjuster will review your situation and explain your options. No cost, no obligation.
TDI License #3356839Texas Department of Insurance
Rise Public Adjusting LLCLicensed public adjusting firm
Policyholder advocatesWe never work for insurers
Transparent feesWritten contract; capped at 10% by Texas law
Working for policyholdersNot insurance companies
Why choose us
Why Choose McAllen Public Adjuster?
After a loss, your insurance company has its own adjusters, estimators, and engineers. Their job is to evaluate the claim for the insurer. A licensed public adjuster is the only claim professional who works for you—the policyholder.
McAllen Public Adjuster helps Rio Grande Valley property owners understand their policy, document the full scope of damage, and present a clear, well-supported claim.
- Policy review — coverages, deductibles, exclusions, and deadlines explained in plain English.
- Thorough documentation — photos, measurements, and line-item estimates of visible and hidden damage.
- Estimate review — we compare the insurer's estimate with what the repairs actually require.
- Communication handled — we work with the insurer's adjuster through settlement.
- Honest guidance — if we don't think we can help, we'll tell you.
Our services
Insurance Claim Services in McAllen
From hail-damaged roofs to fire, water, and commercial losses, our McAllen public adjusters handle residential and commercial property insurance claims across Hidalgo County.
Hail Damage Claims
Roof, siding, window, and HVAC damage from Rio Grande Valley hailstorms.
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Roof Damage Claims
Shingle, tile, and metal roof claims, from inspection to repair scope.
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Wind Damage Claims
Lifted shingles, fallen trees, and damage from straight-line winds.
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Storm Damage Claims
Losses from severe thunderstorms, including wind, hail, and rain intrusion.
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Hurricane Damage Claims
Tropical storm and hurricane claims, deductibles, and policy questions.
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Fire Damage Claims
Structure, contents, and additional living expense after a fire.
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Smoke Damage Claims
Soot, odor, and smoke residue that insurers often under-scope.
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Water Damage Claims
Sudden leaks, burst pipes, and storm-related water intrusion.
Learn more
Free Claim Review
Request Your Free Claim Review
Whether you haven't filed yet, your claim was denied, or the insurer's offer won't cover repairs, a McAllen Public Adjuster can review your situation at no cost.
- Review of your policy, the insurer's estimate, and any denial letter
- Plain-English explanation of options and next steps
- Upload photos or documents securely (optional)
- No obligation to hire us
Prefer to talk? Call +1 (832) 503-5866 or email info@mcallenpublicadjuster.com.
Tell us about your claim
Local weather risks
Storm Damage in McAllen and the Rio Grande Valley
Hidalgo County sees large hail, damaging straight-line winds, tropical systems, flash flooding, and the occasional hard freeze. Here is what the official NOAA record shows.
0hail reports in Hidalgo County since 1956
0reports of golf-ball-size (1.75") hail or larger
0thunderstorm wind reports
0largest hail reported (Apr 2012, McAllen)
Source: NOAA NCEI Storm Events Database, Hidalgo County, TX. Counts are individual reports, not storm days.
Hail season peaks April–MayMost Hidalgo County hail reports fall in April and May. Recent damaging events include April 21, 2023 and May 8, 2025 in north McAllen.
Damaging straight-line windsNWS surveys after the April 28, 2023 storm found shingles stripped and roofs damaged across McAllen, Mission, Pharr, and Edinburg.
Tropical systems & floodingHurricane Dolly (2008) and Hurricane Hanna (2020) brought wind damage and heavy flooding to the Valley. Flood needs separate coverage.
Now in McAllen
88°F
Cloudy
- Wind
- NNW 9 mph
- Gusts
- None reported
- Humidity
- 66%
- Heat index
- 98°F
Observed Oct 3, 4:00 PM CDT at McAllen-Miller International Airport (KMFE) · Source: National Weather Service
7-day forecast
Today 10/3
90°75°
Chance Showers And Thunderstorms 89%
0.57" rain
Sun 10/4
83°74°
Showers And Thunderstorms 89%
1.37" rain
Mon 10/5
84°74°
Showers And Thunderstorms 76%
1.11" rain
Tue 10/6
91°73°
Chance Rain Showers 42%
0.27" rain
Wed 10/7
92°73°
Sunny then Slight Chance Showers And Thunderstorms 20%
0.08" rain
Thu 10/8
91°73°
Chance Showers And Thunderstorms 37%
0.27" rain
Fri 10/9
91°73°
Slight Chance Showers And Thunderstorms 32%
0.38" rain
Forecast issued by NWS Brownsville/Rio Grande Valley for grid BRO 49,19, updated Oct 3, 4:00 PM CDT. Rain amounts are NWS forecast precipitation totals for each calendar day.
2 SSW McAllen
62 mph windASOS station KMFE McAllen reported thunderstorm wind gust of 62 mph.
Source: NWS Local Storm Report · Reported by ASOS
Last verified Oct 3, 2026 7:34 AM CDT
1 N Weslaco
Traffic cameras show standing water along the frontage road near Bridge Ave in Weslaco.
Source: NWS Local Storm Report · Reported by Public
Last verified Oct 3, 2026 7:34 AM CDT
Preliminary National Weather Service Local Storm Reports. A nearby report does not prove damage at a specific property.
How it works
How the Claims Process Works
Every claim is different, but the path is consistent and transparent. We stay involved from the first conversation until the claim is resolved.
Texas requires public adjusters to use a written, TDI-compliant contract that states “We represent the insured only,” gives you 72 hours to cancel, and caps compensation at 10% of the settlement.
Start with a Free Claim ReviewInitial consultation
We review what happened and explain your options—free.
Property inspection
A detailed assessment of damage, including areas that are easy to miss.
Policy analysis
We identify applicable coverages, limits, deductibles, and exclusions.
Claim preparation
Photos, measurements, and a line-item estimate that documents the loss.
Negotiation
We communicate directly with the insurance company on your behalf.
Resolution
Support through settlement, supplements, and final claim closure.
Free resources
Insurance Claim Tools
Practical, free tools built for Rio Grande Valley property owners. They run in your browser and use official NOAA and National Weather Service data.
Claim Settlement Calculator
Estimate RCV, ACV, recoverable depreciation, and out-of-pocket costs.
Open tool
Documentation Checklist
Interactive, printable checklist by damage type, with progress tracking.
Open tool
Storm Event Lookup
Search NOAA storm reports near a Hidalgo County city or ZIP code.
Open tool
Live McAllen Weather
Current conditions, 7-day forecast, and active NWS alerts.
Open tool
Storm History
Filterable NOAA record of hail, wind, tornado, and flood events.
Open tool
Recent Weather Events
Automatically updated National Weather Service storm reports.
Open tool
Local building codes
McAllen Building Codes and Your Repairs
The City of McAllen adopted the 2024 International Code Council (ICC) codes—including the International Residential Code and International Building Code—effective January 1, 2026. Roof replacements and many repairs require permits and inspections through the city's Building Permits & Inspections department.
Code-required work can raise repair costs. Whether your insurer pays for it depends on your policy, often through ordinance or law coverage. Code requirements alone don't create coverage.
McAllen building code guide| Topic | What to know |
|---|---|
| Codes | 2024 IRC / IBC / IEBC / IECC; 2023 NEC (effective Jan 1, 2026) |
| Permits | Re-roofing and most structural repairs need a city permit |
| Inspections | Requested through the city; re-inspections carry a fee |
| Insurance | Code upgrades may be covered by ordinance or law coverage, up to its limit |
Verified October 3, 2026 from City of McAllen sources. Confirm requirements with the city before starting work.
Who we help
Residential and Commercial Policyholders
Homeowners
Roof and hail damage, wind and storm damage, water leaks and burst pipes, fire and smoke, and contents claims for single-family homes.
Business owners
Retail, office, warehouse, and industrial properties—including business income, equipment, and inventory losses.
Landlords, HOAs & multifamily
Apartment complexes, condominium and HOA properties, and rental homes with owner and tenant coverage questions.
Meet the author
About Joseph Dittman
Joseph Dittman is a Texas public adjuster, certified insurance appraiser, insurance umpire, and expert witness. His background includes carrier-side adjusting, public adjusting, appraisal work, expert witness support, and hands-on construction experience.
He writes and reviews the guides on this site, covering residential, commercial, storm, hail, wind, water, fire, hurricane, and catastrophe losses, so McAllen Public Adjuster readers get practical information grounded in Texas claim experience.
Read Joseph's profile
How Local Building Codes Can Affect Insurance Repairs in McAllen
McAllen adopted the 2024 ICC codes effective January 1, 2026. Here is how codes, permits, and ordinance or law coverage interact when insurance pays for repairs.
Read article
How to Document Commercial Property Damage After a Storm
Commercial storm claims involve more moving parts than home claims. This guide covers roofs, rooftop units, signage, glass, inventory, business income records, and lease responsibilities.
Read article
Freeze Damage and Burst Pipe Claims in the Rio Grande Valley
Hard freezes are rare in McAllen, but February 2021 showed how much damage burst pipes can cause. Here is how freeze and burst pipe claims usually work.
Read article
How to Review an Underpaid Roof Insurance Estimate
A roof estimate that looks complete can still leave out starter, ridge, flashing, steep charges, or O&P. Here is how to read the line items and ask for a supplement.
Read article
What McAllen Homeowners Should Know About Hurricane-Related Damage
McAllen sits inland, but tropical systems like Dolly (2008) and Hanna (2020) still brought wind and flooding. Here is how coverage, deductibles, and claims work.
Read article
What to Do When an Insurance Company Disputes Storm Damage
Wear and tear, prior damage, "no hail that size," engineer reports — here is how McAllen property owners can respond when an insurer disputes storm damage.
Read articleMcAllen Public Adjuster FAQs
What does a public adjuster do?
A public adjuster is a claim professional licensed by the Texas Department of Insurance who represents the policyholder, not the insurance company. We review your policy, inspect and document the damage, prepare a detailed estimate, and communicate with the insurer about the claim. As a McAllen Public Adjuster, our work covers hail, wind, storm, fire, smoke, and water damage claims on homes and commercial buildings.
How much does a public adjuster cost in Texas?
Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. Texas public adjuster contracts must also use TDI-approved terms and give you 72 hours after signing to cancel. The initial Free Claim Review costs nothing and carries no obligation.
Is a public adjuster the same as the insurance company's adjuster?
No. The adjuster your insurer sends (a staff or independent adjuster) evaluates the claim on the insurer's behalf. A public adjuster is hired by you and represents the insured only. Both may inspect the same property, but they work for different parties.
Can you help if my claim was denied or already closed?
Often, yes. A McAllen Public Adjuster can review the denial or closing letter, your policy, and the insurer's estimate to see whether damage was missed or whether there is a basis to ask the insurer to reconsider or reopen the claim. Results depend on the policy and the facts, so we cannot promise a different outcome. See our denied insurance claims page. For lawsuits or deadlines to sue, consult a Texas attorney.
How long do I have to file a property insurance claim?
It depends on your policy. Most policies require prompt notice of a loss, and many Texas policies also set a contractual deadline to file suit. Check your policy's conditions section, report damage as soon as you discover it, and consult a Texas attorney about any legal deadlines.
Do you handle commercial property claims?
Yes. We work with business owners, landlords, and property managers on commercial claims involving roofs, building damage, equipment, inventory, and business income. Learn more on our commercial property claims page.
What areas do you serve?
McAllen Public Adjuster serves McAllen, Hidalgo County, and surrounding Rio Grande Valley communities, including Mission, Edinburg, Pharr, and nearby cities. See the full list on our service areas page.
Free Claim Review
Talk With a McAllen Public Adjuster Today
Insurance policies have deadlines, and evidence fades after a storm. If your property in McAllen, Mission, Edinburg, Pharr, or anywhere in Hidalgo County was damaged, start with a free, no-obligation review.
Email: info@mcallenpublicadjuster.com · Serving McAllen, Hidalgo County, and surrounding Rio Grande Valley communities.