Public Insurance Adjusters

We are a professional insurance adjusting firm that represents businesses, as well as homeowners.

Our Services

Initial Insurance Claims

Property loss can come in many forms. At D.C. Hogan & Associates, we handle all types of insurance claims for both Business and Homeowners i.e.: Water, Fire, Theft, Flood, Storm, Wind/Hail, Hurricane, Tornado, Vandalism and Business Interruption.

Your Insurance Company has their own adjuster that represents their interest in the claim process, and they try to limit the amount that is paid for your claim.

You need a professional Public Adjusting Firm representing your interest and advocating FOR YOU, the policyholder. Contact us today to learn more about how our public adjusters can help maximize and expedite your insurance claim and get you the full and fair recovery settlement you deserve.

Navigating the aftermath of property damage can be challenging, and sometimes the initial insurance claim may not cover all your losses. At D.C. Hogan & Associates, we specialize in managing Supplemental Insurance Claims for both Business and Homeowners. Whether it’s additional damage discovered after the initial claim or costs that were initially overlooked, our expertise covers a wide range of scenarios including Additional Water Damage, Fire Spread, Secondary Theft, Expanded Flood Impact, Progressive Storm Effects, Wind/Hail Complications, Extended Hurricane or Tornado Damage, Uncovered Vandalism, and Business Operation Disruptions.

Just like the initial claim, insurance companies often scrutinize supplemental claims closely, seeking to minimize additional payouts. It’s crucial to have a dedicated Public Adjusting Firm on your side, ensuring that every aspect of your loss is thoroughly assessed and rightfully claimed. Our experienced public adjusters are committed to advocating for YOU, the policyholder. We meticulously review and address the complexities of your supplemental claim to ensure you receive the comprehensive coverage you’re entitled to.

Supplemental Insurance Claims

Appraisals

Appraisal is a Policy Provision found in the Loss Settlement section. It is an Alternate Dispute Resolution, which can resolve disagreement when the Carrier and Policyholder do not agree on the amount of loss. It is an alternative to a lawsuit. Appraisal does not address coverage issues but can include or exclude items based on causation depending on the state.

Once the Appraisal clause/provision is invoked, the insured's appraiser and the insurance carrier's appraiser will estimate the damage and try to come to an agreement on the amount of loss. If the appraisers fail to agree, they will submit their differences to the umpire. An itemized decision agreed to by two of these three will set the amount of loss. Such an award shall be binding.

Each party will pay its own appraiser and bear the other expenses of the appraisal and umpire equally.

We have experience Appraiser that can assist you in the Appraisal process.

Umpire

A Property Insurance Umpire is a competent, disinterested, impartial individual who is charged with making a decision regarding the value of a property or the amount of property loss. The use of an Umpire is usually a requirement within an Appraisal clause when the insured appraiser and insurance companies appraiser are unable to reach a settlement.

Daniel C. Hogan SN. has been named umpire form both the insurance company as well as the insured and or their representative.

What makes D.C. Hogan & Associates different?

With more than 15 years of experience serving homeowners and business owners, D.C. Hogan & Associates stands as a dedicated, full-time adjusting firm. We specialize in managing a wide array of insurance claims. Our in-depth knowledge of the insurance claims process, gleaned from personal experience, empowers us to navigate it effectively. Be confident in our unwavering commitment; we champion your claim with the same fervor and determination that we would apply to our own.

More about our process

Public Adjusters (PAs), also referred to as Public Insurance Adjusters, are employed by YOU, the policyholder, to advocate on your behalf. We are licensed professionals trained to handle property loss insurance claims for individual homeowners and businesses. Whereas your Insurance Company may already have their own Adjuster assigned to your claim, Public Adjusters are completely INDEPENDENT and UNAFFILIATED with insurance companies; that means we will solely advocate for your interests to your Insurance Company and their Adjuster.
Property loss can come in many forms. At D.C. Hogan & Associates, we handle all types of insurance claims including (but not limited to): Water damage, fire damage, flood damage, storm damage, wind & hail damage, hurricane damage.
We service Texas (License #1576628 & #2697425), Louisiana (License #570245), Florida (License #W276702), and New Jersey (License #1319277).
Each state’s Department of Insurance sets the rules for billing and fees, which can result in varying costs for public adjusters (feel free to reach out for more specific information). Rather than an hourly or fixed service fee, we typically earn a small percentage of your recovery settlement (usually around 10% of the loss, as determined by state statute). This signifies that if there’s NO RECOVERY, there are NO FEES. Therefore, you won’t be indebted to us if D.C. Hogan & Associates fails to procure a settlement for your claim. We commit to making EVERY possible effort to ensure you obtain the largest payout permissible under your insurance policy.
The duration of the insurance claims process can fluctuate due to various factors, including the workload of your insurance company and the volume of claims in their queue. Nevertheless, we at D.C. Hogan & Associates endeavor to finalize your settlement within a timeframe of 30-60 days. We are committed to expediently delivering the results you need.
Depending on the time elapsed since your initial claim, you might still be eligible to file a Supplemental Claim with your Insurance Company. Don’t hesitate to reach out to us today so that we can examine and discuss your potential claim options! Your opportunities for recourse might still be open.

Learn More

Client Reviews

“Great Public Adjuster – Honest, Fair and 100% dependable. Extremely satisfied with his services. Would definitely recommend this Public Adjuster.”

Christine L.
“Daniel is knowledgeable, professional and thoroughly explained to us what to expect. He loves what he does and it shows!! I was beyond ready to throw in the towel and just give up but DANIEL C. HOGAN remained steadfast, continued to fight for us, and WON!!!…If you know someone who needs an ADJUSTER to go TOE-TO-TOE with their insurance company on their behalf, forward them DANIEL’S information. You will NOT be disappointed!!”

Kessa G.
“Dan is an honest, experienced, hard working professional who will FIGHT for every penny the insurance company owes you for the damage…I am so thankful for Dan who fought hard to ensure I received the maximum payout from the insurance company and continued to do his due diligence to ensure timely response from the insurance company. I am so grateful for all the support and help Dan provided throughout this somewhat arduous process (the insurance companies really like to drag their feet when it comes to payout) and couldn’t have been happier with the outcome of the process. In the end, I was rightly compensated by the insurance company and Dan is the one who made it happen!”

Haider A.
“We used Dan’s services for our Harvey flood claim and are so thankful a friend recommended him to us. His knowledge of the claim process and of every item that needed to be included were of great value. He met our insurance adjuster at the house with us, reviewed all of her reports, provided his own 50+ page document of our loss and is the reason we got the correct settlement in the end. I have no doubt it would have been significantly less had we not had Dan on our side.”

Mark. R