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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm Saturday 8am - 5pm

http://campbelladjustingLLC.com/

Campbell Adjusting LLC, 2555 County Road 376, Caldwell, TX (2026)

03/24/2025

“Do I Need an Appraisal❓” 🧐
💬 “My contractor says I need an insurance appraisal—what does that even mean❓”

🛠️ Answer: 🤓
If your insurance company and your contractor (or YOU) can’t agree on the amount of damage or the cost of repairs, you have the right to invoke Appraisal. It’s like hiring a referee for your claim—each side picks an appraiser, and those two pick a neutral umpire (called an umpire) if needed.

💡 Appraisal is not a lawsuit, and it doesn’t decide coverage—it’s strictly about how much the claim is worth. 💰

Have questions❓ Shoot me a message. This is what we do!

03/23/2025

"Behind Every Roof is a Story…"

At Campbell Adjusting LLC, we don’t just look at damage—we listen to the story.

The hailstorm that wrecked your shingles? It happened the night you brought your newborn home.
The leaking roof? It soaked through the same kitchen where you’ve shared 20 Thanksgivings.
That siding that blew off? It once held the family name you proudly hung after moving in.

Your home is more than a structure—it’s your legacy. That’s why we go beyond the numbers, beyond the paperwork, and beyond the surface.

We advocate for your property like it’s our own story on the line.

If your home has a story that needs a voice, we’re here.
Campbell Adjusting LLC – Built on Loyalty, Driven by Integrity.

03/22/2025

🚨 Did You Know This About Insurance Appraisals? 🏚️💼

Most homeowners (and even some contractors) don’t realize this:

👉 If your insurance company underpays your claim, you have the right to invoke the “Appraisal Clause” in your policy.

It’s not a lawsuit. It’s not a complaint.
It’s a legal process built into your policy to resolve disputes over the value of the loss — like repair costs or scope disagreements.

📌 Here's why this matters:

No courtroom.
No lawyer needed.
Just two appraisers (one from each side) and an umpire if needed.
It’s faster, less stressful, and often more fair than dragging things out.
✅ If you're a homeowner who feels shortchanged…
✅ Or a contractor seeing a lowball offer kill the job…
You might already have the power to do something about it — built right into the policy.

If you're not sure how it works or whether you're eligible, drop a 👍 or message me. I’ll walk you through it, no pressure.

—
Campbell Adjusting LLC

03/21/2025

🏠 Shingle Showdown: 30-Year Laminated vs. 25-Year 3-Tab vs. Impact-Resistant Shingles – Which Holds Up Best in Texas Weather & How Insurance Companies View Them? 🌪️☀️

If you're a homeowner in Texas, you know our weather can be brutal—scorching summers, hail, high winds, and severe storms. Choosing the right shingles for your roof can mean the difference between long-term durability and costly repairs after a storm. Here’s what you need to know! 👇

🆚 30-Year Laminated Shingles vs. 25-Year 3-Tab Fiberglass Shingles vs. Impact-Resistant Shingles
🔹 30-Year Laminated (Architectural) Shingles
✅ Thicker, heavier, and designed with a multi-layered composition.
✅ Better wind resistance (often rated up to 110-130 mph).
✅ More impact-resistant than 3-tab but not hail-rated.
✅ Longer lifespan (typically lasts 25-30 years with proper maintenance).
✅ Better curb appeal—richer texture and dimensional look.
💰 Contact your local roofer for cost.

🔹 25-Year 3-Tab Fiberglass Shingles
⚠️ Lighter & thinner—a single-layer design.
⚠️ More prone to wind uplift & storm damage (rated up to 60-70 mph).
⚠️ Hail can easily crack or break the shingles.
⚠️ Typically lasts 15-20 years, but may need replacement sooner in extreme climates.
💰 Contact your local roofer for cost.

🔹 Impact-Resistant (IR) Shingles – Class 4 Rated
✅ Specifically designed to withstand hail and severe impact.
✅ Constructed with a reinforced polymer blend or rubberized asphalt.
✅ Can prevent hail-related claims and extend roof life.
✅ Wind ratings up to 130+ mph.
✅ Often qualifies for insurance discounts (check with your provider!).
💰 Contact your local roofer for cost.

How Do Insurance Companies View These Shingles?
📌 30-Year Laminated Shingles:
✔️ Considered standard to high-quality coverage.
✔️ Many policies offer Replacement Cost Value (RCV) coverage.
✔️ May hold up well in windstorms but not as strong against large hail.

📌 25-Year 3-Tab Shingles:
⚠️ Seen as a lower-cost, lower-durability option.
⚠️ More prone to storm damage, leading to frequent claims.
⚠️ May only qualify for Actual Cash Value (ACV) coverage if over 10-15 years old, meaning you only get a depreciated payout if it’s damaged.

📌 Impact-Resistant (IR) Class 4 Shingles:
✔️ Highly favored by insurance companies due to reduced risk of hail claims.
✔️ Often qualifies for a discount on homeowners’ insurance (varies by carrier).
✔️ More likely to extend the lifespan of your roof, saving you from early replacement costs.

Which One Stands Up to Texas Storms?
🏆 Best Overall for Durability: Impact-Resistant (Class 4) Shingles – If you’re in a hail-prone area, this is your best long-term investment.
🌪️ Best Value for High Winds & General Durability: 30-Year Laminated Shingles – Great for high winds and moderate hail, without the cost of IR shingles.
⚠️ Most Likely to Need Repairs or Early Replacement: 25-Year 3-Tab Shingles – More affordable upfront but much more vulnerable to Texas storms.

💡 Pro Tip: Some insurance companies may require a certification or proof that your shingles are Class 4 rated before applying a discount—so be sure to check with your provider!

📢Have Storm Damage? Drop your questions in the comments or send us a message! 📩

03/20/2025

📢 Understanding ACV vs. RCV in Your Insurance Claim: Why Your Roof’s Age Matters! 🏠💡

If you've recently filed a roof claim, you may have heard the terms Actual Cash Value (ACV) and Replacement Cost Value (RCV)—but what do they mean for YOUR settlement? 🤔

👉 Replacement Cost Value (RCV) is the total cost to replace your damaged roof with a new one, without factoring in depreciation. If your policy provides RCV coverage, the insurance company will typically pay out in two parts: 1️⃣ An initial payment based on ACV (more on that below).
2️⃣ A second payment (recoverable depreciation) after the work is completed, covering the remaining cost.

👉 Actual Cash Value (ACV) is the depreciated value of your roof based on its age and condition at the time of loss. If your policy only provides ACV coverage, you’ll only receive a one-time payment reflecting the roof’s current worth—meaning you may have significant out-of-pocket expenses for a full replacement. 💸

🔎 How Your Roof’s Age Affects Your Claim:
Newer roofs (typically under 10 years old) often qualify for RCV coverage, allowing you to recover full replacement costs.
Older roofs (often 10-15+ years old) may be subject to ACV-only settlements, leaving you responsible for the depreciation gap.
Some policies have age thresholds where coverage automatically shifts from RCV to ACV once the roof reaches a certain age. 📆
✅ What Can You Do?
✔️ Review your policy BEFORE a storm hits to understand your coverage.
✔️ Maintain your roof to extend its lifespan and avoid unnecessary depreciation.
✔️ Work with a professional who understands policy language and claim processes to ensure a fair settlement.

Have questions about your claim? Drop them in the comments or send us a message! 📩

03/19/2025

🔍Understanding Your Insurance Policy: Dispute Resolution Options🔍

Insurance claims don’t always go smoothly. Sometimes, there’s a disagreement between you and your insurance company about coverage, scope of damages, or the amount of the claim payout. The good news? Most policies provide options for dispute resolution. Here’s what you need to know:

✅ Appraisal Clause – Many policies allow for an appraisal process when there’s a disagreement about the amount of loss (not coverage). You and the insurance company each hire an independent appraiser, and if they disagree, a neutral umpire is chosen to make a final decision. This process can help avoid lawsuits and get your claim settled fairly.

✅ Public Adjusters – Unlike insurance company adjusters, public adjusters work for YOU, not the insurance company. They assess damages, interpret your policy, and negotiate on your behalf to maximize your claim payout. If you’re struggling to get a fair settlement or feeling overwhelmed by the claims process, hiring a licensed public adjuster can be a game-changer.

✅ Mediation – Some policies include a mediation option where a neutral third party helps both sides reach an agreement. Mediation is non-binding, meaning you’re not forced to accept the outcome, but it can help open communication and lead to a resolution.

✅ Arbitration – Less common in homeowners policies, arbitration is similar to a court case but less formal and often faster. A neutral arbitrator listens to both sides and makes a decision—sometimes binding, sometimes not, depending on the policy.

✅ Lawsuit – If all else fails, policyholders can take legal action against their insurer. This is typically the last resort due to the time and cost involved, but in cases of bad faith handling, it may be necessary.

The Bottom Line: Knowing your rights is key when handling a dispute. The appraisal process is one of the most effective tools for policyholders when the disagreement is about the value of damage, not coverage. If you’re struggling to navigate the claims process, a public adjuster or independent appraiser can help ensure you’re getting the settlement you deserve.

💬 Have questions about your claim, the appraisal process, or whether a public adjuster is right for you? Drop a comment or send us a message—we’re here to help!

03/18/2025

📢 The Importance of a Strong Initial Supplement Estimate in the Insurance Claim Process 🏠💰

When dealing with an insurance claim, one of the most critical steps in securing a fair settlement is ensuring that the initial supplement estimate—the one submitted to the carrier by the insured's contractor—includes all disputed damages from the start.
Here’s why this matters, especially if the claim ends up going to appraisal:
🔹 Why the Initial Supplement Estimate is Crucial
✅ Sets the Foundation for the Dispute – The carrier needs to see a complete and well-documented scope of work. If items are missing from the supplement, they may never be considered in the process.
✅ Strengthens the Contractor’s Position – If a claim goes to appraisal, the contractor’s supplemented estimate should already contain every disputed item. If it wasn’t in the supplement, it’s harder to argue for it in an appraisal.
✅ Prevents Delays & Rejections – A weak or incomplete supplement can result in unnecessary back-and-forth with the carrier, delaying the claim resolution.
✅ Establishes a Clear Paper Trail – A properly documented estimate shows consistency and demonstrates that the insured made every effort to settle the claim before appraisal.
________________________________________
🔎 What Should Be Included in the Supplement?
📌 All Damages in Dispute – Every item the contractor believes is necessary for a proper repair should be listed with quantities and costs.
📌 Code Upgrades – If local building codes require additional work, those should be documented with supporting code references.
📌 Manufacturer Requirements – If certain materials or installation methods are required, documentation should be included.
📌 Supporting Photos & Reports – Visual proof and expert assessments (engineer reports, moisture readings, etc.) add credibility.
________________________________________
🔹 Why This Matters for the Appraisal Process
If a claim goes to appraisal, the appraiser needs a clear record of what was disputed from the beginning. If the insured’s contractor didn’t include certain damages in the initial supplement, it can be difficult—if not impossible—to introduce them later in the process.
💡 Bottom Line: A well-prepared initial supplement estimate can make or break the outcome of an insurance claim. Contractors, policyholders, and adjusters should work together to ensure all disputed damages are properly documented upfront.
📞 Need guidance on a disputed claim? Campbell Adjusting LLC specializes in insurance appraisals and claim resolution. Message us today for expert advice!

03/18/2025

**"This is the kind of recognition you get from your colleagues when you get your position out in less than a week! 💪😂

At Campbell Adjusting LLC, we don’t waste time—we get results. Quick, thorough, and fair appraisals that settle disputes fast. Who’s next?"**

03/17/2025

Campbell Adjusting LLC was built on a strong foundation of experience in the insurance industry. I began my career as an independent catastrophe adjuster in 2011, traveling across the country from storm to storm, and Jessica joined me in 2016, gaining extensive experience handling catastrophe claims nationwide.

After years on the road, we found a community we love and a location we are proud to call home. This has allowed us to transition into appraisal work, bringing our expertise to both carrier-side and insured-side disputes since February 8, 2022. We take pride in our ability to resolve disputes efficiently and fairly, often reaching agreements without the need for a third-party umpire.

Additionally, I have had the opportunity to serve as an umpire in several disputes, reinforcing our commitment to fairness, professionalism, and unbiased service. No matter who we represent—whether it's a policyholder, or an insurance carrier—our approach remains dedicated, thorough, and customer-focused.

At Campbell Adjusting LLC, we believe in clear communication, expert analysis, and ethical resolution. Our goal is to provide efficient, well-documented, and fair appraisals to ensure a smooth claims process for all parties involved.

If you’re in need of an experienced, professional, and results-driven appraisal firm, we are here to help.

03/17/2025

❓ Frequently Asked Questions About Insurance Claims & Appraisals 🏠💰

At Campbell Adjusting LLC, we know that dealing with an insurance claim can be frustrating and confusing. Here are some of the most common questions we hear from homeowners, contractors, and policyholders—along with our expert answers. 👇

1️⃣ What should I do if my insurance claim is underpaid or denied?
✅ First, review your insurer’s estimate and compare it to your contractor’s scope of work.
✅ Gather supporting documents (photos, invoices, code upgrade requirements, etc.).
✅ Request a supplement from your contractor to submit additional damages.
✅ If there’s still a dispute, you may have the right to invoke the appraisal process to settle the claim fairly.

2️⃣ What is the appraisal process, and how does it help?
The appraisal clause in most policies allows homeowners to resolve claim disputes without going to court. Each party selects an independent appraiser, and together they agree on the fair cost of repairs. If they can’t agree, an umpire makes the final decision.

✔ Faster than legal action
✔ More cost-effective than hiring an attorney
✔ Ensures an objective settlement

If your claim is stuck in dispute, appraisal might be the solution you need.

3️⃣ Can I still get my claim paid if I already cashed a check from my insurance company?
Yes! Cashing a check does NOT mean your claim is closed, as long as your insurer hasn’t explicitly stated it as a final settlement. If new damages or disputes arise, you can still:
🔹 Request a supplement for missing items
🔹 Invoke appraisal if there’s a valuation disagreement

4️⃣ My insurance carrier said I don't need an appraisal—what should I do?
It’s your right as a policyholder to invoke appraisal if the dispute is about the amount of loss. Many carriers may try to discourage it, but if the estimate is too low, appraisal may help you recover the full amount you deserve.

5️⃣ How can Campbell Adjusting LLC help me?
We specialize in:
✔ Insurance appraisals – We act as your appraiser to ensure you are getting the
correct claim amount.
✔ Claim resolution – We help navigate disputes with insurers.
✔ Contractor support – We assist contractors in supplementing claims correctly.

📞 Got a question about your claim? Drop it in the comments or send us a message—we’re happy to help!

03/16/2025

Choosing the Right Contractor for Your Insurance Claim Repairs 🏠🔨💡

If your home has been damaged by a storm, fire, or water event and you're filing an insurance claim, choosing the right contractor is one of the most important decisions you’ll make. Not all contractors are created equal—here’s how to find the right one!

1️⃣ Verify Licensing & Insurance
Make sure the contractor is licensed, insured, and bonded in your state. Ask for proof of general liability insurance and workers’ compensation to protect yourself from liability.

2️⃣ Check for Experience with Insurance Claims
Not all contractors understand the insurance claim process. Choose one who knows how to work with insurance adjusters, provide detailed estimates in Xactimate (the industry-standard software), and handle supplements for additional hidden damage.

3️⃣ Avoid Storm Chasers & High-Pressure Sales
After a big storm, out-of-town "storm chasers" flood the area, offering quick fixes and aggressive sales tactics. Be cautious! If they demand full payment upfront or push you to sign a contract immediately, it’s a red flag.

4️⃣ Look for Local & Reputable Contractors
A local contractor with a solid reputation is more likely to be around if you have issues later. Check Google reviews, BBB ratings, and references from past clients.

5️⃣ Ask for a Detailed, Written Estimate
Your contractor should provide a clear, itemized estimate that matches the insurance scope of work. Beware of vague pricing or verbal agreements—always get everything in writing.

6️⃣ Understand Their Warranty & Workmanship
A reputable contractor will stand behind their work. Ask about their warranty on materials and labor, and make sure it’s in writing.

7️⃣ Never Pay in Full Upfront
A trustworthy contractor will not ask for full payment before work begins. Deposits are normal, but payments should be made based on work progress. If they ask for full payment before doing any work, walk away.

8️⃣ Communicate with Your Insurance Company
Your contractor should be able to work with your insurance adjuster to ensure all damages are accounted for and properly repaired. If additional repairs are needed, they should know how to submit a supplement request.

Final Tip: If you’re unsure, get multiple estimates and compare. The lowest price isn’t always the best—quality and reliability matter more when it comes to repairing your home.
🚨 Have questions about your insurance claim repairs? Drop them below! 👇👇

Campbell Adjusting LLC

03/24/2025

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