When a storm tears through your roof or a burst pipe floods your home, you don’t have time for red tape or insurance games. You need someone who knows how to make insurance companies pay attention, and pay fairly.
That’s exactly what we do at PALCO Claims.

We’ve handled residential claims across Texas and Oklahoma for years, from hail-battered roofs in Fort Worth to flood-damaged basements in Tulsa. Our team’s been in attics, crawl spaces, and backyards documenting real damage, not just checking boxes. We speak the language of insurance adjusters, but we work for you.

Let’s break down how we help, what to expect, and why homeowners across both states trust us with their claims.

What Residential Claim Services Actually Mean, and How We Help

Most homeowners only meet a public adjuster when something bad happens, a broken pipe, a fire, a storm. It’s chaos. But here’s the truth: getting a fair settlement isn’t just about reporting damage. It’s about proving it, clearly, accurately, and in a way the insurance company can’t shrug off.

That’s where PALCO Claims steps in.

We’re not contractors. We’re licensed public adjusters who represent you, not your insurer. Our job is to assess the real scope of your property loss and negotiate with your insurance provider for a full and fair payout.

Here’s what that looks like in the real world:

• Damage Assessment: We inspect every square inch of your property. Missed roof decking? Hidden water damage behind drywall? We find it.
• Documentation & Estimating: We prepare detailed estimates that insurers respect, using the same software their adjusters use (Xactimate).
• Negotiation: We go back and forth with your insurer until they stop cutting corners and start paying what’s owed.
• Settlement: You get your payout. You fix your home. And you get peace of mind knowing it was handled right.

One homeowner in Round Rock learned this firsthand. After a freeze cracked their attic plumbing, their insurance company offered less than half the repair cost. We stepped in, documented insulation damage and hidden leaks, and within three weeks, the family had a revised settlement covering everything, down to the temporary housing costs.

That’s not luck. That’s knowing how to work the system without letting it work you.

Why Homeowners in Texas & Oklahoma Trust PALCO Claims

If there’s one thing we’ve learned over the years, it’s that insurance companies don’t move fast unless someone’s pushing them, hard.
PALCO Claims is that push.

We’re based right here in New Braunfels, Texas, and we’re fully licensed in Texas (#2487288) and Oklahoma (#3001285558). We don’t outsource or play middleman. Every file, every phone call, every inspection is handled by our in-house team.

We’re local. We’re reachable. And we play fair, but firm.

You’ll never deal with a call center or automated replies. When you call (512) 553-6432, you’ll talk to someone who’s probably walked through the same kind of damage you’re dealing with.
Because here’s the thing, this isn’t just a job for us. It’s a responsibility.

When a tornado rolls through Oklahoma City or a hailstorm hits Georgetown, we’re out there within hours, documenting, measuring, helping families secure temporary shelter, and getting their claim moving fast.

Our reputation isn’t built on ads or gimmicks. It’s built on results. Ask any of the hundreds of homeowners we’ve helped across both states. Most will tell you the same thing:

“They actually showed up. They actually fought for us.”

That’s the kind of feedback you can’t fake.

How Our Adjusters Handle Your Claim from Start to Settlement

Every claim is different, but our process stays sharp and consistent, because time, detail, and documentation are everything.

1. Inspection and Evaluation

Once you call us, we schedule a property inspection, fast. Usually within 24–48 hours.
We document the scene top to bottom, inside and out. We use moisture meters, drones for roof scans, and infrared cameras to find what others miss. Every piece of damage gets logged and backed with evidence.

2. Detailed Estimating

Our team writes estimates in the same platform your insurance company uses. That means our numbers speak their language, but we make sure the scope reflects your real cost of repair.
It’s the difference between a $6,000 “patch job” estimate and a $24,000 complete restoration.

3. Negotiation & Claim Submission

We deal directly with your insurer’s adjuster. It’s our job to argue, prove, and justify every dollar you deserve. Most of our settlements come after two or three rounds of negotiation, but we don’t quit early.

We keep you in the loop the whole time. No disappearing acts, no excuses. Just results.

4. Settlement & Resolution

Once your payout is approved, you get your check, your contractor gets to work, and you move forward.
We’ll double-check that depreciation and overhead are properly included, because a lot of carriers “forget” those parts unless someone reminds them.

A homeowner in Edmond, OK learned this the hard way. Their insurance lowballed a roof and interior water claim. We reviewed it, spotted depreciation errors, and reopened the file. Three weeks later, they had a check for the full roof replacement, drywall, and repainting.
That’s what experience looks like, not theory, proof.

The Real Value of Hiring a Public Adjuster

Let’s be honest, insurance companies don’t wake up wanting to pay more. That’s why having a public adjuster matters.
We’re your advocate. Your watchdog. The people who make sure the numbers make sense.

With PALCO Claims, you get:

• Licensed professionals in Texas, Oklahoma, and Nevada
• Transparent communication every step of the way
• Fair representation during inspections and negotiations
• Accurate, data-backed estimates that insurers respect
• No upfront costs, we only get paid when you do

Most of our clients come to us after getting a lowball offer or being ignored for months. Once we step in, everything changes. The phone starts ringing again. Emails get answered. And suddenly, your insurer finds “new information” that boosts your claim. Funny how that works.

Our Service Areas

We handle residential claims throughout Texas and Oklahoma, including (but not limited to):

• Texas: Austin, New Braunfels, Dallas, Fort Worth, Houston, Round Rock, San Antonio, Georgetown
• Oklahoma: Oklahoma City, Tulsa, Norman, Edmond, Moore

Our team understands local building codes, regional weather patterns, and insurer behavior across both states, which makes your claim faster and smoother.

Common Types of Residential Claims We Handle

We’ve worked every kind of property claim under the sun, but most of our residential clients fall into these categories:

• Wind & Hail Damage – Roof, siding, windows, gutters
• Water Damage – Burst pipes, leaks, appliance failures
• Fire & Smoke Damage – Partial or full-structure losses
• Flood & Storm Damage – Hurricanes, flash floods, tornadoes
• Structural Damage – Cracks, collapse, foundation issues

No matter the cause, our approach is the same, document everything, fight smart, and get you back home as quickly as possible.

Why Timing Matters

Waiting too long to file or reopen a claim can cost you, big time. Most insurance policies have strict deadlines for reporting and revisiting claims. Once those close, there’s no second shot.

That’s why we always tell homeowners: call early, even if you’re not sure.
We’ll review your policy, inspect your damage, and tell you upfront if it’s worth pursuing. If not, we’ll say so. No false hope. No hidden fees.

What to Expect When You Work with PALCO Claims

1. A Real Conversation: We talk first, no scripts, no “forms-only” approach.
2. Straightforward Agreement: We explain our fee structure clearly. No surprises.
3. Regular Updates: You’ll always know where things stand.
4. Proven Results: We aim for full and fair settlements. Period.

When we say “we’re on your side,” it’s not a slogan, it’s the whole job.

Ready to Start Your Claim?

If your home’s been damaged, even if your insurance already denied or underpaid you, we can help.

Call us at (512) 553-6432 or email claims@palcoclaims.com
You can also visit us in person at:
921 I-35 Suite 1202, New Braunfels, TX 78130

We’re open Monday through Friday, 8 AM – 5 PM.
Let’s take the pressure off and get your claim handled, the right way.

Frequently Asked Questions

How long does it take to settle a residential claim in Texas or Oklahoma?

Most claims wrap up within 30–45 days, depending on your insurer’s response time and how quickly we can document the loss. At PALCO Claims, we stay on top of the process so you don’t get stuck waiting months for an answer.

Can you help if my insurance company already denied my claim?

Absolutely. Denied and underpaid claims are our specialty. We’ll review your file, find what was missed, and push to reopen the case. Many homeowners see a completely different outcome once we get involved.

Do you charge anything upfront for residential claims help?

Nope. We work on a contingency basis, which means you don’t pay us until you get paid. Our success is tied directly to yours, it keeps things fair and transparent.