3 ENE Castle Hills
53 mph windASOS station KSAT San Antonio Intl Arpt.
Source: NWS Local Storm Report · Reported by ASOS
Last verified Oct 19, 2026 10:48 PM CDT
TDI #3356839 Licensed Texas public adjusting · Bexar County
San Antonio Public Adjuster Your Advocate After Hail, Wind, Flood, Freeze & Fire Damage
Your insurance company has its own adjusters. San Antonio Public Adjuster works 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
- San Antonio & Bexar 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 San Antonio 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.
San Antonio Public Adjuster helps homeowners and business owners across Bexar 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 require in San Antonio.
- 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 San Antonio 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
Insurance Claim Services in San Antonio
From hail-damaged roofs in Helotes to flooded businesses near the San Antonio River, San Antonio Public Adjuster handles residential and commercial property insurance claims throughout Bexar County.
Hail Damage Claims
Roof, siding, window, and HVAC damage from Bexar 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.
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Storm Damage Claims
Severe thunderstorm losses, including wind, hail, and rain intrusion.
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Flood Damage Claims
Flash flood losses in Flash Flood Alley, 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
Smoke Damage Claims
Soot, odor, and smoke residue that estimates often under-scope.
Learn more
Free Claim Review
Request Your Free Claim Review
Haven’t filed yet? Claim denied? Offer won’t cover the repairs? A San Antonio 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@publicadjustersanantonio.com.
Want to reach the adjuster directly?
Email Joseph Dittman: jditt@risepublicadjusting.com
Tell us about your claim
Local weather risks
Storm Damage in San Antonio and Bexar County
San Antonio sits where Hill Country storms meet Gulf moisture: large hail, damaging downbursts, flash flooding along the Balcones Escarpment, and the occasional hard freeze. Here is what the official NOAA record shows, and why a San Antonio Public Adjuster pays close attention to storm dates.
0hail reports in Bexar County since 1957
0reports of golf-ball-size (1.75") hail or larger
0flood and flash-flood reports
0largest hail reported (May 2021, Sayers)
Source: NOAA NCEI Storm Events Database, Bexar County, TX. Counts are individual reports, not storm days.
Hail season peaks March–MayApril is the busiest hail month in Bexar County. The April 12, 2016 storm dropped hail up to 4.5" across northwest San Antonio; on May 3, 2021, 5.5" hail fell near China Grove.
Flash Flood AlleyHeavy rain over the Balcones Escarpment makes Bexar County one of the most flash-flood-prone areas in the country. Flood needs its own policy, separate from homeowners coverage.
Freezes & ice stormsWinter Storm Uri (February 2021) brought wind chills near −5°F and widespread burst pipes. Ice storms followed in 2022, 2025, and January 2026.
Now in San Antonio
68°F
Mostly Cloudy
- Wind
- Calm
- Gusts
- None reported
- Humidity
- 88%
- Dew point
- 64°F
Observed Nov 1, 3:35 AM CST at San Antonio International Airport (KSAT) · Source: National Weather Service
7-day forecast
Today 11/1
83°69°
Partly Sunny 2%
0.00" rain
Mon 11/2
85°70°
Patchy Fog then Partly Sunny 38%
0.00" rain
Tue 11/3
80°56°
Showers And Thunderstorms Likely then Partly Sunny 71%
0.37" rain
Wed 11/4
77°56°
Sunny 2%
0.00" rain
Thu 11/5
79°57°
Sunny 5%
0.00" rain
Fri 11/6
77°57°
Mostly Sunny 15%
0.00" rain
Sat 11/7
75°
Slight Chance Rain Showers 24%
0.07" rain
Forecast issued by NWS Austin/San Antonio for grid EWX 126,54, updated Nov 1, 1:46 AM CST. Rain amounts are NWS forecast precipitation totals for each calendar day.
2 ESE Helotes
Report of ponding on Bandera Road near the intersection with 1604. Also report of road flooding at 1604 and Braun Road.
Source: NWS Local Storm Report · Reported by Public
Last verified Oct 19, 2026 10:48 PM CDT
2 SE Terrell Hills
A man drove into a flooded crossing at Seguin Road and Salado Creek. His truck became submerged in high water, but he was successfully rescued.
Source: NWS Local Storm Report · Reported by Broadcast Media
Last verified Oct 19, 2026 10:48 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 San Antonio 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 San Antonio 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 San Antonio-area city or ZIP code.
Open tool
Live San Antonio 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
San Antonio Building Codes and Your Repairs
Roof replacements and many structural repairs inside San Antonio city limits require permits and inspections through the City of San Antonio Development Services Department. Suburban cities such as Alamo Heights, Leon Valley, and Schertz run their own permit 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.
San Antonio building code guide| Topic | What to know |
|---|---|
| Permits | City of San Antonio Development Services (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
San Antonio Public Adjuster represents homeowners, landlords, and businesses from the Medical Center to Stone Oak, 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 bungalows in historic districts to newer subdivisions on the North Side.
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 San Antonio 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 San Antonio: Permits and Ordinance or Law Coverage
Repairs after a storm or fire often have to meet current code. Here is how permits work in San Antonio, which codes the city has adopted, and how ordinance or law coverage pays for upgrades.
Read article
Flash Flood Damage and Insurance in San Antonio: Flood vs. Water Damage Coverage
San Antonio has 420 NOAA flash flood reports and a long history of creek flooding. Here is how flood insurance, NFIP claims, and homeowners water damage coverage actually differ.
Read article
Freeze Damage and Burst Pipe Insurance Claims in San Antonio
Winter Storm Uri showed how a few days of hard freeze can flood a San Antonio home from the inside. Here is how burst pipe and freeze damage claims work and what to document.
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. Here is 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 Affects Your Claim
Why was the first insurance check smaller than the estimate? A plain-English guide to replacement cost, actual cash value, depreciation, roof schedules, and holdback in Texas.
Read article
San Antonio Hail Season: What 70 Years of NOAA Storm Data Show
NOAA lists 618 hail reports in Bexar County since 1957, and most fall between March and May. Here is what the record says about San Antonio hail season and your claim.
Read articleSan Antonio Public Adjuster FAQs
What does a San Antonio 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 San Antonio 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, 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 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 you 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 San Antonio?
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. See flood damage claims.
What areas do you serve?
San Antonio Public Adjuster serves San Antonio and all of Bexar County, plus nearby communities such as Alamo Heights, Leon Valley, Helotes, Live Oak, Converse, Universal City, Schertz, Boerne, and New Braunfels. See our service areas.
How do I contact Joseph Dittman directly?
Email Joseph Dittman, licensed Texas public adjuster, at jditt@risepublicadjusting.com, or call +1 (832) 503-5866. Website forms are delivered to info@publicadjustersanantonio.com.
Free Claim Review
Talk With a San Antonio Public Adjuster Today
Insurance policies have deadlines, and evidence fades after a storm. If your property in San Antonio, Helotes, Leon Valley, Converse, Schertz, or anywhere in Bexar County was damaged, start with a free, no-obligation review from San Antonio Public Adjuster.
Email: info@publicadjustersanantonio.com · Joseph Dittman direct: jditt@risepublicadjusting.com