Insurance Claim Guides
Practical, plain-English guides to property insurance claims in Port Arthur, Jefferson County, and across Southeast Texas, written by public adjuster Joseph Dittman.
A denial letter is not always the final word. Here is how Port Arthur property owners can read a denial, understand the common reasons, and decide on next steps.
By Joseph Dittman, Licensed Public Adjuster
Read the articleRita, Humberto, Ike, Harvey, Imelda, Laura, Delta and the 2021 freeze each hit Port Arthur differently. Here is what the records show and what each storm taught about insurance.
Read articleAfter a hurricane, the biggest fight is often not how much damage there is, but whether wind or water caused it. Here is how Port Arthur wind vs. flood disputes work.
Read articleAfter a hurricane, a Port Arthur home can need two or three separate claims. Here is what to do first and which policy pays for what.
Read articleJefferson County is a TWIA first-tier coastal county. Here is how a TWIA windstorm claim works, step by step, with the deadlines that matter.
Read articleA 2% hurricane deductible sounds small until you do the math. Here is how Texas percentage deductibles, named storm deductibles and TWIA deductibles actually work.
Read articleThe claim you can prove is the claim that gets paid. A practical checklist for documenting storm damage in Port Arthur, from the first photo to the last receipt.
Read articleIt is rarely too late to get help with an open claim, but your options narrow at each stage. Here is what a public adjuster can still do, stage by stage.
Read articleA public adjuster can help with large or complex claims, but there is a fee and it is not right for every loss. Here are the real pros and cons.
Read articleMost insurance adjusters follow the rules, but they work for the insurer. Here is what that means for your Port Arthur claim and how to protect it.
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