Legal Entity & Governing Law

This website and its associated professional advocacy services are operated by Second Opinion Public Adjusters, LLC. By accessing our digital channels or engaging our firm, you agree that these terms are governed exclusively by the laws of the State of Texas, with venue recognized in Tarrant County courts, without regard to conflict of law principles.

Scope of Professional Representation

Second Opinion Public Adjusters acts as an independent advocate for residential and commercial policyholders. Our services encompass the analysis, assembly, and negotiation of property damage claims — including but not limited to fire, wind, hail, tornado, and water damage. We work exclusively for you, the insured, and proudly never represent the insurance company.

Licensing & Multi-State Authority

While our principal office is located in Fort Worth, Texas, we actively serve policyholders across multiple states including Texas, Oklahoma, New Mexico, Louisiana, Colorado, Georgia, and Florida. All services and claim adjustments are performed strictly within the boundaries of active multi-state licensing requirements in the jurisdiction where the loss occurred.

Payments & Appraisal Services

For administrative fees, appraisal services, or other specific flat-fee engagements, transactions may be processed securely via Stripe, Inc. Payment credentials are encrypted and handled directly by the processor upon customer authorization at checkout. We do not store full payment card details on our servers. Please note, we do not offer general subscriptions; our public adjusting services are purely project-based for individual insurance claims.

Refunds & Contingency Structure

Our core property damage claim representation is typically executed on a contingency-fee basis, meaning we are paid a predetermined percentage of the final insurance settlement as governed by your signed Public Adjuster contract. Due to the nature of this structure, standard refunds do not apply. Any upfront consultation or appraisal fees, if applicable, are handled as explicitly described in your specific engagement letter prior to work commencing.

Acceptable Use & Intellectual Property

Users must not engage in unlawful use, digital data scraping, or the intentional submission of fraudulent insurance claim information through our website. All content, including proprietary damage assessment frameworks, brand imagery, and educational materials regarding the insurance claim process, remains the exclusive intellectual property of Second Opinion Public Adjusters. Unauthorized duplication or commercial use is strictly prohibited.

Contact Information for Legal Inquiries

If you have questions regarding these terms, our privacy standards, or your rights as a policyholder utilizing our services, please direct your correspondence to our administrative team at [email protected] or by mail to:

Second Opinion Public Adjusters
6387B Camp Bowie Blvd. Suite 336
Fort Worth, Texas 76116