PALCO Claims

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PALCO Claims is an public adjusting and loss consulting firm typically advocating on behalf of policyholders in property insurance claims.

PALCO Claims handles multi-million dollar commercial claims as well as smaller residential property claims.

10/22/2026

When everything costs more, an incomplete property claim can hit harder than it used to.

If you’re looking at your insurance estimate and aren’t confident the damage, repairs, or deductions make sense, don’t just assume it’s probably right. PALCO can review the claim with you and help you understand exactly where things stand.

You’re already paying enough. Don’t let unanswered questions about your claim become another expense.

Call PALCO at 512-553-6432 for a claim review.

10/20/2026

When repair costs are already stretching your budget, you shouldn’t have to wonder whether your property insurance claim was evaluated accurately.

If you’ve received an estimate or claim payment and something doesn’t add up, PALCO can take a second look. We’ll help you understand what was included, what may need another look, and where your claim stands.

Before you call it settled, call PALCO.
📞 512-553-6432

10/17/2026

Nobody hands you an insurance estimate with instructions for how to read it.

Instead, you get pages of line items, abbreviations, depreciation, deductibles, quantities and totals, usually while you’re already dealing with damage to your home or business.

Start with the big picture.

What property damage did the insurance company include? What repair work is listed? How much was depreciated? What did your deductible subtract? What was actually paid? And if there’s a difference between replacement cost and the initial payment, where did that difference go?

You don’t need to understand every insurance term on all 14 pages. But you should be able to trace your claim from documented damage → repair scope → insurance estimate → claim payment.

If you can’t, ask questions.

Being confused by an insurance estimate doesn’t mean you’re bad with numbers. It means you’re reading a document most people only encounter when something has already gone wrong.

10/15/2026

“Wear and tear” can completely change the direction of a property insurance claim.

If your contractor is pointing to storm damage but the insurance claim identifies the same condition as normal wear and tear, don’t assume you have to choose which person sounds more convincing.

Ask for the specifics.

What damage was observed? What does the insurance company believe caused it? What evidence supports that conclusion? And what policy language is being applied?

The cause of property damage matters because homeowners insurance policies generally distinguish between sudden covered events, such as wind or hail damage, and deterioration that happens gradually over time.

You don’t need to know roofing terminology or insurance language well enough to argue with anyone. You do need enough information to understand why two professionals are looking at the same property and reaching different conclusions.

When the explanations don’t match, ask for the reasoning behind them.

10/13/2026

Seeing your mortgage company’s name on an insurance claim check can be a little jarring, especially if nobody warned you it might happen.

But if you have a mortgage, your lender has a financial interest in the property too. That means the mortgage company may be listed on a homeowners insurance claim payment, and there may be additional steps before the repair funds are available to you.

Before heading to the bank, find out what your mortgage company requires. Who needs to endorse the check? Does the lender need documentation from your insurance claim? Will the funds be released all at once or in stages as repairs are completed?

None of this means something went wrong. It simply means receiving the insurance check and having access to the repair money may be two different steps.

If you’ve never handled a major property insurance claim before, you wouldn’t necessarily know that. Most homeowners don’t. And that’s exactly why asking questions before signing or depositing anything matters.

10/10/2026

Two estimates for the same property can be thousands of dollars apart, and that doesn’t automatically mean one person is simply “charging more.”

Sometimes they aren’t estimating the same work.

If your contractor’s roof repair estimate is $31,000 and the insurance estimate is $19,000, compare the details before focusing only on the $12,000 difference. Are both estimates accounting for the same damaged areas? The same measurements and quantities? The same roofing materials? The same labor and necessary repairs?

This is where understanding the scope of work matters.

When you’re navigating a homeowners insurance claim, you shouldn’t have to look at two completely different numbers and simply guess which one makes sense. Ask what is included, what isn’t, and why.

Sometimes a price difference is really a scope difference. And that’s a conversation worth having.

10/08/2026

Sometimes the most important damage is the damage nobody could see yet.

An initial insurance inspection can only document what is visible and accessible at that time. Once roof repairs begin and shingles, underlayment or other materials are removed, additional storm damage or hidden property damage may be uncovered.

If that happens, don’t rush past it.

Stop if it’s safe and practical. Take clear photos. Keep records. Document what was discovered and when. Then ask what needs to happen with your property insurance claim before the repair continues.

Newly discovered damage isn’t automatically covered simply because it was found during repairs. But it also shouldn’t automatically be dismissed because it wasn’t included in the original insurance estimate.

Your claim should reflect the documented facts as they become known.

Sometimes the roof has to come off before the whole story can be seen.

10/06/2026

Getting a claim check for thousands less than you expected can make you immediately wonder, “What did they leave out?”

But before assuming there’s an error, take a closer look at how your homeowners insurance claim payment was calculated.

Four terms can explain a lot:

Your deductible.
Depreciation.
Actual Cash Value (ACV).
Replacement Cost Value (RCV).

Depending on your policy and claim, the first insurance payment may reflect deductions or amounts being withheld rather than the full replacement cost of the covered damage. Some depreciation may also be recoverable after qualifying repairs are completed and the required documentation is provided.

The important part is knowing what each number on your insurance estimate means and where the difference went.

If you expected $24,000 and received $13,600, you deserve to understand the math. Don’t just look at the check. Look at how they calculated it.

10/03/2026

It’s completely reasonable to hear that and think the inspection portion of your property insurance claim is settled. But an inspection is a snapshot of what was identified and documented at that point in time. It isn’t necessarily confirmation that every damaged area has been accounted for.

Storm damage can be missed. Measurements can differ. Hidden damage may not become visible until repairs begin. And sometimes the necessary scope of work changes once damaged materials are removed.

If something doesn’t line up later, don’t dismiss it simply because the insurance adjuster already inspected the property. Document what you’re seeing, keep photos and repair records, and ask how the new information affects the claim.

An inspection happened. That matters.

But “it was inspected” and “everything was accounted for” aren’t the same thing.

10/01/2026

A claim can feel finished the moment the insurance company approves damage and sends a payment. But before you close the folder, make sure you understand how they got there.

Start with the damage that was documented. Then follow it through the scope of work, the insurance estimate and finally the claim payment.

Do those four pieces actually line up?

Check whether all documented property damage was addressed, whether the estimate reflects the necessary repairs, what was deducted, whether depreciation or other funds are being withheld, and whether anything remains unresolved.

You don’t need to be an insurance expert to ask good questions about your own property insurance claim. And receiving a check doesn’t automatically mean you have to understand or accept every number without explanation.

Before you call the claim “done,” make sure you understand what was damaged, what was approved, what was paid and what may still be outstanding.

Address

New Braunfels, TX

Website

http://www.palcoclaims.com/

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