When your insurance company lowballs you, you can feel it in your gut. You look at the number on that estimate and think, “That can’t be right.” That’s where PALCO Claims steps in.
We handle insurance appraisals across Texas, Oklahoma, and Nevada, fighting to make sure your property is valued fairly, no shortcuts, no surprises, and no upfront cost.

Why Homeowners Across Texas, Oklahoma & Nevada Rely on PALCO Claims

Let’s be honest, insurance paperwork isn’t anyone’s idea of fun. The process can feel stacked against you from the start. You file a claim, the adjuster gives you a “final number,” and suddenly you’re supposed to just accept it.
Not with us.

We’ve built PALCO Claims on one simple idea: the homeowner deserves a fair shake.
Our team’s handled hundreds of property appraisals, from hail-damaged roofs in Texas Hill Country to fire-torn homes in Oklahoma City and storm losses out near Henderson, Nevada.

Every job starts the same way: we show up, inspect every inch, document everything the insurance company skipped, and push for the amount your policy actually covers.

It’s not just about numbers; it’s about restoring what you lost.
And because we’re licensed in three states (TX: 2487288 | OK: 3001285558 | NV: 4071263), we understand how each state’s rules play out in real life, the deadlines, the paperwork quirks, and the loopholes insurers try to use.

Our clients call us when they’re tired of the runaround. You’ll never hear, “We’re waiting on the carrier.” We chase results, not excuses.

Our Insurance Appraisal Process: How We Protect Your Claim Value

If you’ve never been through an insurance appraisal, here’s what actually happens, minus the jargon.

Step 1: You trigger the appraisal clause.

Most property insurance policies have an appraisal clause built in. When there’s a disagreement about value, both sides, you and the insurer, each choose an appraiser. That’s where we come in.

We represent you. Not the carrier. Not the adjuster. Just you.

Step 2: We document every bit of damage.

We start with a complete on-site inspection, sometimes climbing onto roofs or crawling through attics if that’s what it takes. We photograph, measure, and document every inch of loss, then build a report that can’t be brushed off with a one-line “estimate.”

A homeowner in Norman, OK once called us after her insurer offered $37,000 for a fire claim. After our inspection, we found structural smoke infiltration and damage to the HVAC system. Our re-assessment came in at $82,500, and after presenting our findings, the insurer agreed. That’s what precision documentation does.

Step 3: Two appraisers pick an umpire.

After both sides choose appraisers, the two appraisers pick a neutral umpire. Think of the umpire as the tiebreaker. If we and the insurance company can’t agree, the umpire makes the final call, binding for both sides.
We’ve worked with plenty of umpires across Texas, Oklahoma, and Nevada, and we know how to present clean, fact-based cases that hold up.

Step 4: You get a fair, final value.

Once the award is set, the insurance company must pay the adjusted amount. No more fighting, no more delays. And since we work on a contingency basis, you don’t pay us a dime until you get paid.

It’s the homeowner’s equalizer, and most people don’t even realize they have the right to request it.

Real Results from Real Policyholders

We can talk about experience all day, but results tell the real story.

Storm Damage, Austin TX

A homeowner’s roof was destroyed after a major hailstorm. The insurance company offered $18,600. Our team stepped in, re-appraised the damage, and showed the carrier their own policy covered full roof replacement, interior ceiling repairs, and paint restoration. Final payout? $44,200.

Fire Loss, Oklahoma City OK

An insurer tried to settle at $42,000 for a fire-damaged kitchen. After we inspected, we documented smoke damage behind walls and structural weakening in roof trusses. The final appraisal award came to $89,000, more than double.

Water Damage, Henderson NV

One of our Nevada clients had a burst pipe claim denied for “pre-existing damage.” We reopened the file, proved through dated moisture readings that it was sudden and accidental, and secured $58,000 in new payment.

This isn’t magic, it’s what happens when someone actually fights for you.

Why PALCO Claims Is Different

We’re not a national chain or a pop-up firm chasing disaster zones. We live where we work. We know the local adjusters, the building codes, and the games insurers play when they think no one’s watching.

And unlike the insurance company’s adjuster, we don’t answer to their bosses, we answer to you.

Our process is hands-on from start to finish:

• We visit the property ourselves.
• We photograph and measure everything.
• We negotiate directly with the opposing appraiser.
• We don’t leave until the settlement’s signed and paid.

We’ve built a reputation on doing exactly what we say we’ll do, and that’s probably why we’ve held a 5.0 rating across more than 100 verified Google reviews.

Here’s the simple truth: we don’t get paid unless you do.
So we’re as invested in the outcome as you are.

When Should You Request an Insurance Appraisal?

If you’re reading this, you probably already suspect your payout’s too low. Here’s when you should absolutely reach out:

• The insurer’s estimate feels off or incomplete.
• You’ve received a denial or “lowball” settlement offer.
• The adjuster keeps pushing you to sign off quickly.
• You’ve been waiting months without movement.
• You just don’t trust that your property’s being valued fairly.

Insurance companies count on frustration. They know most homeowners give up.
That’s why the appraisal clause exists, so you don’t have to.

Let’s Get Your Claim Back on Track

Whether you’re in Texas, Oklahoma, or Nevada, you deserve a fair settlement, not a number the insurer pulled out of thin air.

Call (512) 553-6432 or email claims@palcoclaims.com today.
Let’s talk through your situation, review your paperwork, and get your claim moving again.

PALCO Claims
921 I-35 Suite 1202, New Braunfels, TX 78130
(512) 553-6432
Mon–Fri: 8 AM–5 PM
claims@palcoclaims.com

Frequently Asked Questions

1. How does the insurance appraisal process work?

Once you request an appraisal, both sides pick an appraiser and agree on an umpire. We handle the inspection, damage report, and negotiation until your property is properly valued.

2. Do I really need an insurance appraisal?

If your insurer’s offer feels wrong, yes, it’s your best move. It’s a built-in option under most policies to dispute an unfair estimate without going to court.

3. How much does an insurance appraisal cost?

Costs vary, but with PALCO Claims you never pay upfront. Our fee comes from the settlement, not your pocket. No risk, no surprises.