Highland Park is one of the two "Park Cities," a small independent town surrounded by the City of Dallas just north of Uptown and Oak Lawn, with Turtle Creek winding through its parks. Its streets are lined with mature live oaks and pecans and with carefully maintained Tudor, Colonial, Georgian, Mediterranean, and Craftsman homes, alongside newer custom builds. Those features shape the insurance claims we see here. If you are looking for a public adjuster in Highland Park, TX, we can help you document storm damage, read your policy, and work through the claim with your insurer.
We represent policyholders only, serving Dallas, Dallas County, and surrounding North Texas communities, including Highland Park and neighboring University Park. We do not have a physical office; we come to the property.
Highland Park weather risks in the NOAA record
Highland Park sits in the same southern Plains hail and severe-thunderstorm corridor as the rest of Dallas County. NOAA's National Centers for Environmental Information (NCEI) Storm Events Database logs local reports under the reference point "Highland Park," and some of those entries describe nearby parts of Dallas rather than the Town itself. These reports describe the Town and its immediate surroundings:
- May 16, 2021: an EF0 tornado formed at Williams Park, uprooted a large tree in Goar Park, crossed University Blvd. and Turtle Creek Blvd., and caused tree-limb and occasional shingle damage, with maximum estimated winds of 75 mph.
- June 11, 2009: Turtle Creek overflowed its banks during training thunderstorms, requiring high-water rescues near the Fitzhugh/Wycliff crossing; NOAA notes about six homes took on water.
- June 9, 2019: a trained spotter estimated a 70 mph wind gust near the Highland Park area.
- January 30, 2025: two people were rescued from flood waters on Wycliff Avenue between Oak Lawn and Highland Park.
Our data covers Dallas County, which includes all of Highland Park. Search events near your own address with the storm lookup tool, or browse the full Dallas County storm history.
Park Cities homes and the claims they produce
Highland Park homes tend to be larger and more detailed than typical suburban construction, and that detail matters when a claim is estimated. Common issues include:
- Premium roofing. Slate, clay tile, wood shake, standing-seam metal, and high-end architectural shingles all appear in the Park Cities. Each has its own installation method, underlayment, and flashing, and a generic shingle estimate can miss a lot. See our roof damage claims page.
- Hail on soft metals and accessories. Copper gutters, decorative flashing, and skylights often show hail impacts that help document a storm, and they can be costly to replace. Our hail damage claims page explains what to photograph.
- Tree impact. When wind brings down a mature oak, the claim may involve roof framing, interior water damage, fencing, and debris removal, each with its own policy terms. See wind damage claims.
- Matching and finishes. Custom millwork, plaster, and specialty windows can be hard to match after partial damage, which raises questions about how much must be replaced.
- Water near Turtle Creek. Storm-driven leaks and plumbing failures are usually handled under the homeowners policy, but rising surface water is flood, which standard policies generally exclude. Flood coverage comes from the NFIP or a private flood policy.
Permits and code items in Highland Park
The Town of Highland Park has its own building permit and inspection office, and its process is separate from the City of Dallas Planning & Development Department. Before roofing or structural work starts, confirm what the Town requires for your project. If repairs must be brought up to current code, those extra costs are not automatically paid by your insurer; they usually fall under ordinance or law coverage, which is often a separate, limited coverage. Our local building codes guide explains how this fits into a claim.
How we help Highland Park homeowners
As a Dallas Public Adjuster, we inspect the whole property, document damage with photos, measurements, and Matterport 3D imaging where useful, and prepare a detailed estimate in Xactimate. We review your policy and the insurer's estimate, identify missing scope, and handle communication with the carrier. If your claim was underpaid or denied, we can review the decision with you and discuss options such as a supplement or appraisal. We cannot promise a particular result; coverage depends on your policy and the facts.
Start with a Free Claim Review or call +1 (832) 503-5866.
Frequently Asked Questions
Is Highland Park part of the City of Dallas for permits?
No. The Town of Highland Park is a separate municipality with its own building permit and inspection office. Permits issued by the City of Dallas do not apply there. Confirm requirements with the Town before roof replacement or structural repairs begin.
My roof is slate, tile, or another premium material. Does that change the claim?
It can. Policies generally pay to repair covered damage with materials of like kind and quality, so a premium roof should be estimated with the right material, labor, and accessories. Premium materials can be harder to source and match, which makes a careful, line-by-line estimate especially important. Coverage always depends on your policy.
A large tree came down on my house during a storm. What should I do first?
Make sure everyone is safe, then take reasonable steps to prevent further damage, such as tarping openings. Photograph the tree, the break or root ball, and every area of damage before removal if it is safe to do so. Keep receipts for emergency work. Tree and debris removal often have separate, limited coverage, so check your policy.
Does a historic or older home affect what the insurer pays?
Older homes are more likely to need code-related upgrades during repairs. Those added costs are usually paid only under ordinance or law coverage, up to its limit. Depreciation on older roofs and finishes can also reduce actual cash value payments. Review your declarations page before repairs start.
What 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. Texas also gives you 72 hours after signing to rescind the contract.