Texas Public Adjuster for Restaurant Insurance Claims

Running a restaurant in Texas comes with endless moving parts — staffing, supplies, kitchen operations, and guest satisfaction. But when disaster strikes — like a kitchen fire, burst pipe, windstorm, or business interruption — you need more than insurance coverage. You need an advocate. PALCO Claims is your trusted Texas Public Adjuster for Restaurant property and business insurance claims.

We don’t work for the insurance company — we work for you, ensuring you receive the full compensation you’re entitled to under your policy. From the initial inspection to settlement, our experts handle the process so you can focus on rebuilding and reopening your restaurant fast.

Why Restaurants in Texas Trust PALCO Claims

For over a decade, PALCO Claims has helped restaurant owners across Texas, from Austin and San Antonio to Dallas, Houston, and beyond, recover from devastating losses. We specialize in commercial property claims for food service operations, including:

• Full-service restaurants

• Cafés, coffee shops, and bakeries

• Quick-service and fast-food chains

• Bars, lounges, and event venues

• Food halls and franchise locations

We understand that time is money. Every hour your restaurant stays closed means lost revenue and reputation risk. That’s why we fight aggressively to speed up claim approval, negotiate higher settlements, and reduce out-of-pocket costs.

How a Public Adjuster Helps Restaurant Owners

When your restaurant suffers damage, your insurer will send their own adjuster — paid to protect the company’s interests. That’s where we step in.

As licensed Texas Public Adjusters, we represent only policyholders, ensuring your claim is handled fairly and fully. Here’s how we help:

1. Comprehensive Damage Inspection

Our experts inspect every inch of your property — dining areas, kitchens, storage, walk-ins, HVAC systems, and rooftop units. We document hidden damage from heat, water, or smoke that company adjusters often miss.

2. Policy Review and Claim Strategy

We analyze your entire policy, identifying all applicable coverages, including:

• Building and contents coverage

• Business interruption coverage

• Spoilage and food inventory loss

• Equipment breakdown

• Extra expense coverage

We then develop a custom claim strategy that maximizes eligible benefits.

3. Claim Documentation and Filing

We prepare detailed loss reports, estimates, and photographic evidence, ensuring your claim is bulletproof. Every document aligns with Texas insurance standards to avoid denials or delays.

4. Negotiation and Settlement

We negotiate directly with your insurer on your behalf. Our licensed team understands the Texas Department of Insurance (TDI) claim process and uses proven negotiation tactics to secure a fair, fast payout.

Common Restaurant Damages We Handle

Our team has successfully settled claims for nearly every type of restaurant loss imaginable. Some of the most common include:

• Kitchen Fires – From grease flare-ups to electrical short-circuits

• Water Damage – Burst pipes, leaks, or sprinkler system failures

• Storm or Wind Damage – Torn roofs, broken windows, and structural loss

• Business Interruption – Loss of income while your restaurant is closed

• Smoke or Soot Damage – Contamination to food, furniture, or ventilation

• Equipment Loss – Refrigeration units, stoves, fryers, or dishwashers

• Vandalism or Theft – Property damage and stolen assets

We also help with partial loss claims, ensuring hidden damage (like smoke infiltration or water seepage) isn’t overlooked or undervalued.

Why Choose PALCO Claims as Your Texas Public Adjuster for Restaurants

Not all adjusters are the same. Choosing PALCO Claims means working with a state-licensed, insured, and experienced firm that’s recovered millions in settlements for Texas businesses.

Here’s what sets us apart:

Restaurant-Focused Expertise

We understand commercial kitchens, food storage requirements, and local health codes. Our reports reflect real-world restaurant operations — not generic commercial spaces.

Faster Recovery

We work efficiently to accelerate your claim timeline so you can get back to serving customers as soon as possible.

No Upfront Fees

We work on a contingency basis, meaning you pay only when we recover your money. No settlement, no fee.

Transparent Communication

You’ll receive regular updates and full visibility into every stage of the claim.

Licensed in Multiple States

We’re licensed in Texas (TX 2487288), Oklahoma (OK 3001285558), and Nevada (4071263), bringing multi-state experience and advanced negotiation insight.

Our 4-Step Claim Process

We make the process simple, transparent, and fast.

1. Free Consultation & Site Visit
   We meet you onsite, review the damage, and explain your coverage.

2. Comprehensive Documentation
   Our experts prepare estimates, loss inventories, and supporting photos.

3. Claim Filing & Negotiation
   We handle all communication with your insurance company.

4. Settlement & Recovery
   You receive your settlement faster — with the confidence that nothing was missed.

Areas We Serve Across Texas

PALCO Claims proudly serves restaurant owners throughout the state, including:

• Austin

• San Antonio

• Dallas

• Fort Worth

• Houston

• New Braunfels

Wherever your restaurant is located in Texas, our adjusters are ready to help you rebuild stronger.

Frequently Asked Questions

1. What does a Texas Public Adjuster for Restaurants do?

A Texas Public Adjuster for Restaurants represents restaurant owners during insurance claims. We inspect, document, and negotiate claims to ensure you receive the full payout you’re entitled to under your policy.

2. How much does it cost to hire PALCO Claims?

We work strictly on a contingency basis, meaning you only pay a percentage after we successfully recover funds from your insurer. There are no upfront costs.

3. Can you help with denied or underpaid restaurant claims?

Yes. We specialize in reopening underpaid or denied claims. Our team reassesses damage and policy coverage, then files a detailed appeal to secure additional compensation.

Contact the Experts at PALCO Claims

If your Texas restaurant has suffered property damage, don’t leave your insurance payout to chance. Contact PALCO Claims, your trusted Texas Public Adjuster for Restaurant, today.

Address: 921 I-35 Suite 1202, New Braunfels, TX 78130
Phone: (512) 553-6432
Email: claims@palcoclaims.com
Website: https://palcoclaims.com
License Numbers: TX: 2487288 | OK: 3001285558 | NV: 4071263

We help Texas restaurant owners recover faster, smarter, and fully compensated.