Independent Estimator vs Public Adjuster vs Appraiser (Houston, Texas)
An independent estimator writes an itemized repair estimate and does not represent you to the insurer. A public adjuster is licensed by the Texas Department of Insurance to represent the policyholder and negotiate the claim, usually for a share of the claim payment. An appraiser is hired under the policy’s appraisal clause when you and the insurer agree there is a loss but disagree on the amount. Chairman Estimating is an independent estimator: Benny Mancillas writes Xactimate estimates in Houston and does not negotiate with insurance companies.
Independent estimator
Measures and documents the damage on site and writes a line-item repair estimate, often in Xactimate, the software most carriers use. You decide whether to share it with your insurer, a contractor or anyone else.
Generally paid a fee for the estimate itself, not a share of the claim. An estimator does not handle the claim, give coverage or legal advice, or negotiate.
Use one when you want your own documented number: before deciding whether to file, to compare with the adjuster’s estimate, or so a contractor can bid the same scope.
Public adjuster
Licensed in Texas to act for the policyholder. A public adjuster can prepare and present the claim and negotiate with the insurance company on your behalf.
Commonly paid a percentage of the claim payment under a written contract; Texas law regulates these contracts and fees. Check the license on the Texas Department of Insurance website before signing.
Consider one when you want someone to manage and negotiate the claim for you.
Appraiser (policy appraisal)
Many Texas homeowner policies include an appraisal clause. When both sides agree damage is covered but disagree on the amount of loss, each side picks an appraiser and the two appraisers can use an umpire to settle the difference.
Each side generally pays its own appraiser and shares the umpire’s cost; read your policy for the exact terms.
Appraisal decides the amount of loss, not whether something is covered. It is usually considered after the estimate and claim discussion have run their course.
Where the adjuster fits
The insurance company’s adjuster writes the carrier’s estimate. Adjusters often handle heavy caseloads after storms, so items can be missed on a quick visit. Having your own itemized estimate gives everyone the same detailed scope to look at.
Frequently asked questions
Is an independent estimator the same as a public adjuster?
No. An independent estimator writes the repair estimate. A public adjuster is licensed to represent you and negotiate the claim. Benny Mancillas is an independent estimator, not a public adjuster.
Can I use an independent estimate and still handle the claim myself?
Yes. You can share your own estimate with your insurer and keep handling the claim yourself. The estimator does not negotiate for you, though some estimators, including Benny, can meet the adjuster on site to go over the estimate.
When does appraisal come in?
Appraisal is a process in many policies for disputes over the amount of loss. Each side chooses an appraiser. Read your policy or ask an attorney about whether it applies to you.
General information, not legal or coverage advice.