3 WNW Rowlett
EM reports Castle Dr closed at Firewheel Pkwy and at Hickox Rd due to high water from Rowlett Creek.
Source: NWS Local Storm Report · Reported by Emergency Mngr
Last verified Oct 20, 2026 6:16 PM CDT
TDI #3356839 Licensed Texas public adjusting · Dallas County
Dallas Public Adjuster On Your Side After Hail, Wind, Tornado, Water & Fire Damage
Your insurance company has its own adjusters. As a licensed Dallas Public Adjuster, we work only for you, the policyholder: we read your policy, document every part of the damage, review the insurer’s estimate line by line, and handle the back-and-forth until your claim is resolved.
- We represent the insured only
- Homes, businesses & HOAs
- Dallas & Dallas 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 Dallas Public Adjuster?
After a loss, your insurer sends its own adjuster, and sometimes an engineer or estimator. Their job is to evaluate the claim for the insurance company. A licensed public adjuster is the only claim professional who works for you.
Dallas Public Adjuster helps homeowners and business owners across Dallas County understand their coverage, document the full scope of damage, and present a clear, well-supported claim, so decisions are based on complete information instead of a rushed first inspection.
- Policy review — coverages, deductibles, exclusions, and deadlines explained in plain English.
- Thorough documentation — photos, measurements, and Xactimate line-item estimates of visible and hidden damage.
- Estimate review — we compare the insurer’s estimate with what repairs actually cost in Dallas, using current local pricing.
- 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.
Know who works for whom
Insurance Company Adjuster vs. a Dallas Public Adjuster
Both may walk your roof and write an estimate. The difference is who they answer to.
Insurance company adjuster
- Hired and paid by the insurance company
- Often juggling many claims after a big storm
- Writes the scope the insurer reviews and pays from
- Interprets the policy on the insurer’s behalf
Your public adjuster
- Hired by you; Texas contracts state “We represent the insured only”
- Focused on your property, your policy, and your claim file
- Documents hidden and secondary damage that is easy to miss
- Negotiates scope and pricing directly with the carrier
Our services
Dallas Public Adjuster Claim Services
From hail-damaged roofs in Lake Highlands to wind-torn warehouse roofs along Stemmons Freeway, Dallas Public Adjuster handles residential and commercial property insurance claims throughout Dallas County.
Hail Damage Claims
Roof, siding, window, and HVAC damage from Dallas County hailstorms.
Learn more
Roof Damage Claims
Shingle, tile, and metal roof claims, from inspection to repair scope.
Learn more
Wind Damage Claims
Lifted shingles, fallen trees, and damage from downbursts and straight-line winds.
Learn more
Tornado Damage Claims
Roof, structure, and contents losses after North Texas tornadoes.
Learn more
Storm Damage Claims
Severe thunderstorm losses, including wind, hail, and rain intrusion.
Learn more
Flood Damage Claims
Flash flood and creek flooding losses, NFIP and private flood policies.
Learn more
Freeze Damage Claims
Burst pipes and ice damage after hard freezes like Winter Storm Uri.
Learn more
Fire Damage Claims
Structure, contents, and additional living expense after a fire.
Learn more
Free Claim Review
Request Your Free Claim Review
Haven’t filed yet? Claim denied? Offer won’t cover the repairs? A Dallas Public Adjuster can review your situation at no cost and tell you honestly whether we can help.
- 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@publicadjustersdallas.com.
Want to reach the adjuster directly?
Email Joseph Dittman: jditt@risepublicadjusting.com
Tell us about your claim
Local weather risks
Storm Damage in Dallas and Dallas County
North Texas sits in the southern Plains hail belt, where spring supercells bring large hail, damaging straight-line winds, tornadoes, and flash flooding, and winter brings the occasional hard freeze. Here is what the official NOAA record shows, and why a Dallas Public Adjuster pays close attention to storm dates.
0hail reports in Dallas County since 1955
0reports of golf-ball-size (1.75") hail or larger
0flood and flash-flood reports
0largest hail reported (Apr 1986, Dallas County)
Source: NOAA NCEI Storm Events Database, Dallas County, TX. Counts are individual reports, not storm days.
Hail season peaks April–MayApril and May are the busiest hail months in Dallas County. On May 24, 2011, grapefruit-size 4.25" hail fell in Irving; on June 12, 2023, 4" hail was reported near Cedar Hill.
Tornadoes & downburstsThe EF4 Garland/Rowlett tornado (Dec 26, 2015) and the EF3 north Dallas tornado (Oct 20, 2019) are reminders. On May 28, 2024, straight-line winds reached up to 95 mph in Garland.
Flash floods & freezesAugust 2022 brought upwards of 15" of rain to parts of Dallas. Winter Storm Uri (Feb 2021) drove lows into the single digits and burst pipes across the county.
Now in Dallas
79°F
Clear
- Wind
- SE 8 mph
- Gusts
- None reported
- Humidity
- 30%
- Dew point
- 45°F
Observed Oct 26, 2:45 PM CDT at Dallas Love Field (KDAL) · Source: National Weather Service
7-day forecast
Today 10/26
82°62°
Partly Sunny 3%
0.00" rain
Tue 10/27
83°63°
Mostly Sunny 7%
0.00" rain
Wed 10/28
85°66°
Mostly Sunny 2%
0.00" rain
Thu 10/29
83°65°
Partly Sunny 15%
0.00" rain
Fri 10/30
75°61°
Rain Showers Likely 56%
0.17" rain
Sat 10/31
78°63°
Chance Showers And Thunderstorms 42%
0.45" rain
Sun 11/1
83°67°
Partly Sunny then Slight Chance Rain Showers 21%
0.05" rain
Forecast issued by NWS Fort Worth/Dallas for grid FWD 89,104, updated Oct 26, 1:26 PM CDT. Rain amounts are NWS forecast precipitation totals for each calendar day.
4 WSW Cedar Hill
61 mph windEmergency Manager reported a wind gust of 61mph as outflow moved through around 4:30pm.
Source: NWS Local Storm Report · Reported by Emergency Mngr
Last verified Oct 20, 2026 6:16 PM CDT
4 NE Grand Prairie
A few trees blown down at the army aviation facility on Lakecrest Dr.
Source: NWS Local Storm Report · Reported by Other Federal
Last verified Oct 20, 2026 6:16 PM 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 with Dallas Public Adjuster 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 & Live Weather
Free tools from Dallas Public Adjuster that run in your browser and use official NOAA and National Weather Service data: estimate a settlement, organize your documentation, and check which storms hit your neighborhood.
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 Dallas-area city or ZIP code.
Open tool
Live Dallas 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
Dallas Building Codes and Your Repairs
Roof replacements and many structural repairs inside Dallas city limits require permits and inspections through the City of Dallas Planning & Development Department. Suburban cities such as Highland Park, University Park, Richardson, and Garland run their own building inspection offices.
Code-required work can raise repair costs. Whether your insurer pays for it depends on your policy, usually through ordinance or law coverage, which often has its own limit. Code requirements alone don’t create coverage.
Dallas building code guide| Topic | What to know |
|---|---|
| Permits | City of Dallas Planning & Development (inside city limits) |
| Suburbs | Each incorporated city has its own building office |
| Inspections | Scheduled through the permitting office after work begins |
| Insurance | Code upgrades may be covered by ordinance or law coverage, up to its limit |
Confirm current requirements with the permitting office before starting work.
Who we help
Residential and Commercial Policyholders
Dallas Public Adjuster represents homeowners, landlords, and businesses from Oak Cliff to Lake Highlands, from Uptown high-rises to Pleasant Grove, and across the surrounding cities.
Homeowners
Roof and hail damage, wind and storm damage, water leaks and burst pipes, fire and smoke, and contents claims for single-family homes—from 1920s Craftsman and Tudor homes in Lakewood and the M Streets to brick ranch houses in Richardson and newer builds in Rowlett.
10%
Fee cap by Texas law
Fees are disclosed in a written contract before any work begins.
Business owners
Retail, office, warehouse, and industrial properties, including business income, equipment, and inventory.
Landlords, HOAs & multifamily
Apartment complexes, condominium and HOA properties, and rental homes.
72 hrs
To cancel your contract
Texas gives you 72 hours after signing to rescind a public adjuster contract.
Meet your public adjuster
Joseph Dittman, Licensed Texas Public Adjuster
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, and catastrophe losses, so Dallas Public Adjuster readers get practical information grounded in Texas claim experience.
Contact Joseph directly: jditt@risepublicadjusting.com
Read Joseph’s profile
Building Codes and Insurance Repairs in Dallas: Permits and Ordinance or Law Coverage
Repairs after hail, wind, fire, or water damage often have to meet current code. How permits work in Dallas and how ordinance or law coverage pays for required upgrades.
Read article
How to Review an Underpaid Roof Insurance Estimate, Line by Line
A roof estimate can look complete and still leave out thousands in materials and labor. How to read an Xactimate roof estimate line by line and spot what is missing.
Read article
Replacement Cost vs. Actual Cash Value in Texas: How Depreciation Shapes Your Claim Check
Why is the first insurance check so much smaller than the estimate? A plain-English look at replacement cost, actual cash value, depreciation, and roof schedules in Texas.
Read article
Freeze Damage and Burst Pipe Insurance Claims in Dallas
Winter Storm Uri proved that a few days of hard freeze can flood a Dallas home from the inside. How burst pipe and freeze damage claims work, and what to document.
Read article
Flash Flood Damage and Insurance in Dallas: Flood vs. Covered Water Damage
NOAA lists 305 flash flood reports in Dallas County, including the August 2022 storm that dropped upwards of 15 inches of rain. Here is what homeowners insurance covers, and what it does not.
Read article
Tornado Damage Insurance Claims in Dallas County: What to Know
Dallas County has 109 tornado reports in the NOAA record, including the 2015 Garland/Rowlett EF4 and the 2019 north Dallas EF3. Here is how tornado claims work and how to protect yours.
Read articleDallas Public Adjuster FAQs
What does a Dallas 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. As a Dallas Public Adjuster, we review your policy, inspect and document the damage, prepare a detailed line-item estimate, and communicate with your insurer about the claim. Our work covers hail, wind, tornado, storm, flood, freeze, fire, smoke, and water damage 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 Free Claim Review from Dallas Public Adjuster costs nothing and carries no obligation.
Is a public adjuster the same as the insurance company’s adjuster?
No. The adjuster your insurer sends, whether 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 a Dallas Public Adjuster help if my claim was denied or underpaid?
Often, yes. We can review the denial letter or estimate, your policy, and the evidence to see whether damage was missed or whether there is a basis to ask the insurer to reconsider. Results depend on the policy and the facts, so no one can promise a different outcome. See our denied claims and underpaid claims pages. For lawsuits or deadlines to sue, consult a Texas attorney.
Does homeowners insurance cover flood damage in Dallas?
Standard homeowners and commercial property policies generally exclude flood. Flood coverage comes from the National Flood Insurance Program or a private flood policy, and NFIP policies typically have a 30-day waiting period. Water that enters through a storm-damaged roof is usually handled differently from rising floodwater, like the flash flooding Dallas saw in August 2022. See flood damage claims.
What areas does Dallas Public Adjuster serve?
Dallas Public Adjuster serves Dallas and all of Dallas County, plus nearby North Texas communities such as Highland Park, University Park, Richardson, Garland, Irving, Mesquite, Carrollton, Grand Prairie, Plano, and Rowlett. See our service areas.
How do I contact Joseph Dittman directly?
Email Joseph Dittman, licensed Texas public adjuster with Dallas Public Adjuster, at jditt@risepublicadjusting.com, or call or text +1 (832) 503-5866. Website forms are delivered to info@publicadjustersdallas.com.
Free Claim Review
Talk With a Dallas Public Adjuster Today
Insurance policies have deadlines, and evidence fades after a storm. If your property in Dallas, Highland Park, Richardson, Garland, Irving, Mesquite, or anywhere in Dallas County was damaged, start with a free, no-obligation review from Dallas Public Adjuster.
Email: info@publicadjustersdallas.com · Joseph Dittman direct: jditt@risepublicadjusting.com