Bill Spell - Public Adjuster

06/23/2026

I've met the owner of Greater Houston Flooring at a few different job sites after a customer experienced damage to their floors. To say these guys are flooring experts understates it by orders of magnitude. If you truly care about the flooring you are considering, you want to make sure it is a quality product it will be installed correctly. Greater Houston Flooring will go through the pros and cons of every option you are considering and when it's time to install, you can rest assured that it will be done right and to the manufacturers specifications. There's lots of "flooring guys" out there. There aren't many at the level of Greater Houston Flooring though.

06/05/2026

How often are insurance claims initially underpaid by the insurance company? Its a question we can never know the actual answer to. From my personal experience as a remodeler working through Harvey, Laura, Delta and the '21 ice storm, I can say I saw exactly 2 claims that I didn't have to tell the homeowner their insurance company did not give them enough money.

What about you guys? What do you see with your customers?

A prominent 1st party insurance attorney wrote an article yesterday that got me thinking about this. Here's a link to the article if anyone is interested.

New catastrophe data suggests fraud is rare while claim undervaluation may be a far bigger problem for policyholders.

05/12/2026

Take a look at this screenshot. A carrier manager just slashed a $60k project down to $5k and the assigned adjuster knows it is wrong.

When this happens, you—the contractor—are usually the first person the homeowner calls. Suddenly, you are on the defensive.

Your client might see you as the bad guy. They might think you are gouging them. When the carrier lowballs the claim, the homeowner often looks at your bid as the problem. You end up defending your pricing instead of the carrier defending their coverage.

If they don’t think you are the bad guy, they might ask you to defend your quote to their insurance company. You are the best person to do it, right? In the heat of the moment, it’s easy to start arguing about what they owe, coverage exclusions etc. In Texas, doing this on behalf of a client without a license isn't just a "grey area", it can be a felony. Besides, the insurance company doesn’t have to talk to you. They are only required to talk to their customer or their licensed representative.

The Time-Suck is Real

Every hour you spend on the phone arguing with a desk adjuster about "manager edits" is an hour you aren’t on a job site or closing new leads. It’s "free labor" that hurts your bottom line.

This is what I do but with a license to the HAVE to talk to me. While you build and sell other jobs, I get the money for the client so you can build their job later.

Let’s keep you on the job site and out of the legal crosshairs. DM me if you’ve had an estimate gutted recently.

04/08/2026

I couldn't have said it better myself.

Learn how policyholders can identify and work with an ethical public adjuster after property damage. Green, Klein, Wood & Jones explains what to look for, warning signs to avoid, and how adjusters help navigate insurance claims.