Let’s be honest for a second, dealing with an insurance company after property damage can feel like you’re speaking another language. Numbers flying everywhere. Adjusters calling the shots. Endless paperwork. You’re left wondering: “Is this even fair?”

That’s where loss consulting comes in.
And that’s exactly what PALCO Claims does best.

We step in when things get messy, fire damage, floods, storms, broken roofs, the works. Our job? To help you understand what your loss is really worth and how to document it so your insurer can’t lowball you.

This isn’t theory. It’s hard-earned, boots-on-the-ground experience from years of helping property owners just like you.

What Loss Consulting Actually Means

Loss consulting is basically the “strategy” side of insurance recovery. It’s not about fighting with your insurer for sport, it’s about playing smarter.

When a property gets damaged, most people assume the insurance company will just “handle it.” Sounds fair in theory, right? Except, their adjuster works for them. Not for you.

A loss consultant, like PALCO Claims, flips that balance.
We’re your independent eyes and ears. We review every line item in your policy, walk the site, collect proof, and tell you, in plain English, what you’re actually owed.

Think of us as your personal insurance translator.
You bring the problem; we bring the playbook.

Here’s what we actually do:

• Inspect and document your loss (properly, not rushed).
• Break down your coverage and highlight where you’re being underpaid.
• Guide you on the best way to present or appeal your claim.
• Support you with expert reports and estimates that insurers respect.

We don’t guess. We calculate. We verify. We defend your numbers.

And the best part? You stay in control.
We just make sure you don’t get steamrolled in the process.

How PALCO Claims Handles Complex Loss Cases

Here’s the truth, you can’t fake experience in this business.
Every loss tells a story, and we’ve heard them all.

Let’s walk through a few.

Flooded Manufacturing Plant in Oklahoma

Last year, a manufacturing client reached out after a brutal rainstorm turned their warehouse floor into a pond. Their insurer offered them $210,000 for “surface damage.” That number looked neat on paper… until we inspected the site.

Our consultants found the real issue wasn’t just water, it was contamination. The moisture had seeped into the production line motors, making them unsafe. We brought in our engineer, got independent quotes, and challenged the insurer’s math.

Final settlement? $685,000.
The client called it a “lifesaver.” We called it doing our job.

Restaurant Fire Claim in Texas

A small family-owned restaurant caught fire due to a wiring issue. They were emotionally drained, trying to rebuild while their insurer kept sending “follow-up document requests.” Classic delay tactics.

When they hired PALCO Claims, we didn’t waste a day. We reconstructed invoices, tracked replacement costs, and even found code upgrade clauses hidden in their policy. Three months later, they received an additional $312,000 above the original offer.

They’re back in business. And we still eat there sometimes.
That’s the difference between “processing” a claim and consulting on one.

Multi-State Property Portfolio Claim

We also help clients with multiple properties, especially commercial ones. One investor had six rental units hit by a hailstorm across two states. Six insurers, six adjusters, zero consistency.

We built a uniform loss documentation system, standardized photos, repair bids, and claim reports. Instead of six messy claim files, we presented one unified package. Insurers took it seriously, and payments came faster.

That’s what experience in multi-state consulting brings, clarity, speed, and leverage.

Why Homeowners and Businesses Choose PALCO Claims

Let’s be real, the internet’s full of “insurance experts.” So what makes us different?

It’s simple: we’ve actually been there.
On roofs, in flooded basements, walking fire-damaged halls.

We’re not here to talk theory or throw buzzwords. We’re licensed professionals who live this work every single day.

Here’s why people choose PALCO Claims for loss consulting:

• We’re Licensed and Legit.
  Texas (2487288). Oklahoma (3001285558). Nevada (4071263).
  Every claim we touch follows real standards, not guesswork.
• We’re Honest. Even When It’s Tough.
  If you’re being lowballed, we’ll tell you. If your insurer’s right on something, we’ll say that too. Transparency earns trust, and we value that more than quick wins.
• We Know Insurance From the Inside Out.
  We’ve worked with policies for years. We know how adjusters think. And we know exactly how to structure claims that stick.
• We Handle Every Property Type.
  Homes. Apartments. Restaurants. Manufacturing facilities. Offices.
  If it’s insured, we’ve probably consulted on it.
• We Get Results.
  Over 100+ verified 5.0 Google reviews didn’t happen by chance. They came from real clients who got real settlements.

Let’s Talk About Your Loss, Request a Consultation Today

If you’re here reading this, chances are you’ve already been through the insurance maze. Maybe your claim’s dragging. Maybe the numbers don’t add up. Or maybe you just want someone on your side who actually knows the rules.

That’s where we come in.

At PALCO Claims, we treat every loss like it’s our own. We take the time to understand your situation, your coverage, and your goals. You’ll never feel like “just another claim number.”

Our process is simple:

1. Reach out. Call us at (512) 553-6432 or email claims@palcoclaims.com.
2. Share your policy and loss details.
3. Get clear insights. We’ll tell you exactly what’s missing, what’s possible, and what to do next.

No guesswork. No jargon. Just straight, professional advice from people who’ve been doing this for years.

Our Promise

When you work with PALCO Claims, you’re not hiring a middleman.
You’re teaming up with seasoned experts who’ve seen every excuse insurers use, and know how to counter them.

We’ll fight for fair numbers. We’ll document everything properly.
And we’ll make sure you’re not shortchanged on what you’ve paid for.

Because here’s the thing, you can’t rebuild peace of mind with an underpaid claim.

Who We Serve

Our loss consulting services cover:

• Homeowners dealing with fire, storm, or water damage
• Commercial property owners managing multi-location claims
• Real estate investors needing expert documentation and valuation
• Businesses looking to appeal or audit denied or reduced claims

Basically, if there’s property damage and insurance involved, we’re your people.

Trusted by Property Owners Nationwide

We’re proud to serve across the USA, helping thousands of clients make sense of complex claims.
Our reviews speak for themselves, over 5.0-star Google rating and growing.

We’ve built this reputation through one thing: results.
When you call PALCO Claims, you’re not calling a call center. You’re calling real licensed professionals in New Braunfels, Texas, the same folks who’ll review your case, not pass it off to someone overseas.

Contact Information

PALCO Claims
View: Google Reviews
Address: 921 I-35 Suite 1202, New Braunfels, TX 78130
Phone: (512) 553-6432
Email: claims@palcoclaims.com

Loss consulting isn’t about paperwork. It’s about people.
And at PALCO Claims, we take that personally.

You’ve paid your premiums for years, the least you deserve is a fair, honest settlement.
Let’s make that happen.

Call us. Message us. Let’s talk about your loss and figure it out together.

Because when it comes to protecting what’s yours, we don’t settle for less.

 

Frequently Asked Questions

What does a loss consultant do?
A loss consultant helps property owners document, assess, and negotiate insurance claims to ensure they receive a fair payout for their losses.

When should I hire a loss consultant?
You should hire a loss consultant immediately after a property loss event—like fire, water, or storm damage—to protect your claim and prevent low settlements.

How does PALCO Claims charge for loss consulting?
PALCO Claims typically works on a contingency basis, meaning fees are only due once your insurance claim is settled successfully.