Garland is one of the larger cities in Dallas County, stretching from the LBJ Freeway and I-30 north toward the Bush Turnpike and east to Lake Ray Hubbard. Its neighborhoods include brick ranch and two-story homes, newer subdivisions, and apartment communities, along with a large industrial base. Garland also has a long and serious storm record. If you need a public adjuster in Garland, TX, we can help you document damage, read your policy, and pursue a complete claim.
We represent policyholders only, serving Dallas, Dallas County, and surrounding North Texas communities, including Garland, Rowlett, Richardson, and Mesquite. We do not have a physical office; we inspect on site.
Garland weather risks in the NOAA record
Garland lies mainly in Dallas County, and its reports in NOAA's NCEI Storm Events Database are filed under "Garland" and nearby reference points. Several of the county's most significant events touched the city:
- December 26, 2015: the EF4 Garland and Rowlett tornado ran a little over 13 miles, nearly ten of them in Dallas County, and crossed I-30 at the President George Bush Turnpike. NOAA reports nearly 600 homes in the county were affected.
- October 20, 2019: an EF2 tornado began on Kenmore St. north of W. Miller Rd., peeling the metal roof off a warehouse and collapsing a newly built warehouse nearby.
- May 28, 2024: a NWS storm survey found winds up to 95 mph moved through Garland, with widespread tree, fence, and roof damage and a church on W. Kingsley Rd. losing part of its roof and end wall.
- February 25, 2000: 3.75-inch hail was recorded in Garland, described as oval stones measuring 3.5 by 5 inches.
- September 24, 2023: hail larger than 2 inches was reported across northern Garland.
Check storms near your address with the storm lookup tool or explore Dallas County storm history.
Common Garland claims
Tornado and high-wind damage
Tornado and downburst claims often involve the roof, framing, windows, siding, fencing, detached structures, and contents all at once, plus additional living expenses if the home is unlivable. Early, thorough documentation matters. See tornado damage claims and wind damage claims.
Hail on brick-and-shingle homes
Brick veneer protects walls, but composition shingle roofs, gutters, window screens, garage doors, and AC fins take the impact. Insurers sometimes approve spot repairs where a full slope or full roof may be warranted. Our hail damage claims page covers what to photograph.
Industrial and commercial buildings
Garland's warehouses, shops, and metal buildings face roof panel, wall, and overhead door damage in severe wind. Tilt-wall and metal structures need estimates that reflect their actual systems. Learn about commercial property claims.
Freeze and water damage
Winter Storm Uri in February 2021 brought single-digit lows to Dallas County, and hard freezes can burst pipes in attics and exterior walls. Water damage from a sudden pipe break is often covered, while long-term leaks may not be. See freeze damage claims.
Permits in Garland
The City of Garland has its own building inspection and permit office, separate from the City of Dallas. Confirm permit requirements before roofing or structural repairs begin. If code requirements raise the cost of a covered repair, those costs are generally paid only under ordinance or law coverage, up to its limit. Our building codes guide explains how to handle code items in a claim.
After a major Garland storm
When a tornado or widespread windstorm hits, many neighbors file at once, contractors get busy, and insurers bring in outside adjusters. A few habits can protect your claim:
- Photograph every area of damage before tarping, tree removal, or debris cleanup, and keep receipts for emergency work.
- Ask for the insurer's estimate in writing and compare it item by item with what you see on the property.
- If you have to leave the home, track hotel, meal, and other added costs; many policies include additional living expense coverage.
- Be cautious about signing anything that assigns your claim rights or lets a contractor deal with the insurer for you.
Our claim documentation checklist lays out the full list.
How we help
As a Dallas Public Adjuster, we inspect the property, document damage with photos and measurements, prepare a detailed Xactimate estimate, and compare it line by line with the insurer's. We handle communication with the carrier and help with supplements when damage is found later. We cannot guarantee any outcome; coverage depends on your policy and the facts.
Request a Free Claim Review or call +1 (832) 503-5866.
Frequently Asked Questions
My Garland home was damaged by straight-line winds, not a tornado. Is it still covered?
Most homeowners and commercial property policies treat wind damage the same whether it came from a tornado or straight-line winds. What matters is the policy wording, your wind/hail deductible, and documentation tying the damage to the storm. Check your declarations page for the deductible.
Does the City of Garland require a permit for roof replacement?
Garland has its own building inspection and permit office, and roofing and structural repairs often require permits. Confirm requirements with the City of Garland before work begins.
The insurer approved a roof but not my fence, gutters, or siding. What can I do?
Partial scopes are common after wind and hail. Other structures, gutters, siding, screens, and HVAC units may be covered if the storm damaged them. Photograph each item and ask for a written explanation of anything excluded. A public adjuster can review the estimate and prepare a supplement where damage was missed.
Can I hire a public adjuster for my warehouse or shop?
Yes. We work on commercial property claims, including metal buildings, low-slope roofs, and tilt-wall warehouses. Commercial policies vary widely, so the review starts with the policy and any business income coverage.
How much does a public adjuster cost?
Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. You can rescind within 72 hours of signing.