I hired this firm after a major water incident in February, expecting strong advocacy. Instead, I…read moreexperienced delays, poor communication, and repeated mistakes. Early Issues With Barry & Maddie (Escalated to John Early) Barry was defensive anytime I asked questions and repeatedly told me, "we're going to need to make what insurance is offering work," then backtracked when challenged. I had to ask multiple times for basic email communications with my carrier. Maddie, who handled contents, was pleasant but regularly missed obvious items and created errors I had to correct. I escalated concerns to John early on. His only solution was creating group texts, which did nothing to resolve the issues. Barry also recommended a contractor, then later refused to work with him. After seeing quality issues myself, I moved to Chris from On Point Renovations, who has been significantly more thorough. Home in Demo & July Breaking Point This claim began in February. I lived in a damaged home for months until late June, when demo made it officially uninhabitable. Insurance ended ALE on July 3, even though I still qualify under my policy. Despite this, Barry showed no urgency or proactive help. By mid-July, I told the firm I would no longer work with Barry. I never threatened to fire the company -- I genuinely tried to give them a chance to improve. They reassigned my claim to Al. Al's Delays & Lack of Response Al told me the estimate after demo would take 1-2 weeks. It took 3.5 weeks. When Chris finished his corrections, I sent the updated estimate to Al early on Nov 12. Then: * Nov 14: I followed up * Nov 18: Followed up again * No response (his last message was Nov 14) This firm was fully aware my insurance refused to pay further ALE, and every day of delay prolonged my displacement. Major Issues in Al's Estimate - Verified by My Contractor Chris emailed Al directly and found major inaccuracies: * Items listed that do not exist in my home (3-inch baseboards, standard crown, insulation for 4-inch walls) * Missing essential materials (Hardie backerboard, mud beds, shower pan, felt under hardwoods) * No O&P on mitigation, even though this was discussed with Maddie and Dale * Stucco repairs listed, despite my home having zero stucco These are basic scope errors -- not minor details. Only Responded After I Sent a Termination Email After multiple ignored follow-ups, I finally sent one email with both my termination request and the review I intended to post. I CC'd John and Dale Terry so leadership was fully aware. Only after receiving that email did Al respond -- within two hours -- with a revised estimate. Even then, he offered no acknowledgment of the delays or ignored messages. John and Dale never responded at all. Yet John, the Vice President, had time the day before to reply publicly to a brand-new 1-star Google review from someone else. The contrast speaks for itself. Fiduciary Responsibility & Loss of Trust Public adjusters owe a fiduciary duty to the homeowner. Instead, I had to chase updates, correct their work, follow up repeatedly, escalate issues, and essentially advocate against the people I hired. My home has been unlivable since late June, stuck in demo with no clear path forward. About the 5-Star Reviews People ask how this firm has so many. They comp people to take down negative reviews -- at least one person I personally know. A trusted source shared that they were offered compensation to remove theirs. Well, since this firm only seems to respond when someone leaves a bad review... guess we'll put that theory to the test. Do yourself a favor and work with another PA.

I cannot say enough good things about Amy, our incredible public adjuster. After our extended…read morefamily suffered through the devastation of two separate fires, we were overwhelmed and unsure where to turn. Amy stepped in and became our saving grace. From the very first call, she was compassionate, knowledgeable, and determined to help us recover every dollar we were entitled to from our insurance. She navigated the complex insurance process with ease, fighting tirelessly on our behalf to ensure the claims were handled fairly and quickly. Amy's attention to detail and expertise turned what could have been a nightmare into a manageable process. Thanks to her hard work, we were able to rebuild and move forward. If you're ever in need of a public adjuster, give crossroads a call!!

Had to get a 2nd opinion on a leak from the upstairs bathroom. I'm glad we did or else we would…read morehave been taken advantage of by another company. Austin was attentive to our concern and immediately assured us that this problem can be remedied. Had his equipments set up the following day and sprayed biocide to kill any mold that may have formed and to prevent further growth. Took a few days to dry (as expected) and we couldn't be happier we called them. I'm glad we didn't go w/ the other company or else our whole upstairs bathroom would have been unnecessarily gutted.

It started with a busted pipe in my attic. Water sprayed above my room to cause part of ceiling to…read morecollapse. I was assured by many people that my homeowner insurance would pay for the repair. Fast forward a little bit. I used the Yelp app to check who can come help me. It gave me 2 additional contractors since primary one failed to respond. Within minutes, I started chatting with Jay F from A+fforable on Yelp app. It took a little effort but really efficient to get it done. I guess it's called "Virtual Consultation" during Covid-19 pandemic. Within 2 hours, I got a quote and secured an appointment. I immediately contacted my insurance agent to start a claim. On my first day meeting Austin for damage assessment, he brought Wilmer to start water mitigation. Austin is the supervisor, as you already know from other reviews. He quickly setup dehumidifier, fan and heavy-duty HEPA air purifier. In the same week, they came back with another helper Juan to perform tear out and sprayed fungicide to kill molds and checking for additional damage. I want to share my experience based on my initial connection before this review gets too long. Next thing is to rebuild my room. Having to wait on my insurance claim approval. In this modern age, hard to find a reliable contractor and someone easy to get alone. I will use A+fforable to help me to get my life back to completion.

I have worked with Mr. Belcher for a number of years. He is an excellent claim professional and…read moreastute damage consultant with focused experience in damage recognition. I strongly endorse Mr. Belcher for anyone's consideration for professional services. He knows his way around an insurance claim. Gary B. Neal, General Adjuster CPAU, LIA, LPA, WRT, Thermographer (832) 622-1573 Cell gnealfocused@gmail.com

Chip got the job done! He's very professional and knowledgeable. He's very personable and an…read moreupstanding guy. He was like a great asset in assisting me handling my claim. If you're looking for an appraiser who's knowledgeable, please give him a call.

The insurance company denied our roof claim based on their inspector's finding. We didn't agree but…read moredidn't know how to challenge it effectively. Claim Warriors knew the process, filed the dispute correctly, and the denial was overturned. Full roof replacement ultimately approved.

The insurance company denied our roof claim based on their inspector's finding. We didn't agree but…read moredidn't know how to challenge it effectively. Claim Warriors knew the process, filed the dispute correctly, and the denial was overturned. Full roof replacement ultimately approved.

I had a fairly small claim which is why I was surprised our insurance company didn't want to cover…read morethe full amount needed to rebuild. I called this company not really knowing what this process was all about and the owner answered all my questions, explained the process, showed up and was very down to earth and polite. The end result was more than what we were originally offered by the insurance company but not what the adjuster had estimated so he ended up not charging me at all. He even talked to us about next steps if we wanted to take the claim further. Like I said, this was a smaller claim than what this company is used to dealing with I'm sure, but the owner never made us feel like we were bothering him or he was doing us a favor. Dealing with insurance companies is a pain and this company made it a little easier!

From the owner: A public adjuster works exclusively as an advocate for you, the policyholder…read more A Public Adjuster is a professional who is employed exclusively by a policyholder who has sustained an insured loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Randell Smith is a licensed public adjuster in Houston. Not only is Mr. Smith a public adjuster but he has 35 years experience in the contracting business which gives him the insight to adjust claims more thoroughly. A Public Adjuster or an attorney are the only two types of businesses licensed to deal directly with your insurance company. Just because an insurance company says a claim is closed or has made payment on a claim does not mean that it is settled. The policy holder must be satisfied with the settlement or they may reopen any claim. A public adjuster can reopen​ this claim for them by a simple phone call or faxing a letter of representation.

After searching all day for PA that is available to come out for my damage from hurricane beryl, I…read morecontacted Roger the owner, on a Sunday afternoon and was pleasantly surprised when he answered the call. This personal touch provided comfort during a stressful situation. I was slightly confused thinking he would be my PA instead I got a call from his partner Troy it took two weeks of persistent follow-up to schedule a preliminary inspection. While they established timeframes for gathering information for my claim, these deadlines were frequently missed, necessitating regular follow-up from my end. There were times when it seemed they were handling a high volume of claims, and I occasionally worried that mine had been overlooked for that week, despite their assurances that they could manage their workload the dragged out responses showed for themselves. During a home damage situation, consistent updates and reassurance are crucial for peace of mind. That being said, when Troy took over my claim, he consistently delivered on his promises (but was delayed and missed deadlines because he was overloaded with so many claims becuase he is so detailed in his work). His extensive experience proved invaluable; if you have the opportunity to work with him, you will be in excellent hands. I witnessed him working late to meet commitments, and despite the seven-month process, they secured a settlement that exceeded my expectations. If you are patient, willing to trust their process, and can navigate some frustrating communication challenges, they will work diligently to achieve the best possible outcome for you. Cons: * Communication regarding the claim process could be improved.(They do not properly guide you in steps and process of the time frames and next steps forward) * They tend to be reactive rather than proactive.(You could be calling them for guidance instead of them calling you to provide guidance. * Phone calls are not answered approximately 75% of the time.(when your house is in shambles they are your go to and they don't pick up its hard) * Claims may not be worked on daily, and updates may be infrequent (Becuase they are busy with so many claims they might not work on your claim every day) * I received updates from the insurance company before being notified by them. * If your not patient don't go with them, but know if you go elsewhere you might not get the experience that Roger and troy have in the PA Field * They are working on bring up all qualities as I referred them to other people who have mixed reviews since they did not get Troy or Roger on there claim and have newer PA's handling the claim with not that much experience. Pros: * Troy and Roger are highly experienced and dedicated. * They will see your claim through and help you secure a settlement that you would not be able to achieve on your own. * They are genuinely kind and want to help their clients

Awesome experience! My Public Adjuster, Roger Newman with Disaster Recovery Advocates, LLC, was so…read morewonderful and helpful with all the fun insurance stuff. Without him, we would not have not have known what to fight for!! We have never had our roof replaced before, so we had lots of questions. Roger spoke with our insurance company and arranged to meet him at our house. Even got up on the roof and marked & took several pictures to identify all the damage. He also helped us with the forms that had to be approved by our HOA before the work could even start. He is on-time, efficient , hard-working and very knowledgeable! I would recommend him to anyone. http://disasterrecoveryadvocates.com/

Brandon is extremely knowledgeable and took care of the situation even though it look like it was…read moregoing to be denied

As a public insurance adjuster I had a client who had excessive property damage. The client asked…read morefor a recommendation and I suggested the Law Offices of Omar Khawaja. They took care of the client and helped them become whole again. I highly recommend Omar and his professional team to help fight for you when you need to get your rights protected at a great value. They don't stop fighting for their clients. A+++

The firm and the attorneys are great and very professional. Ala Cordero and Christian were always…read moreaccessible for communications and updates.