Dallas is one of the most storm-active major cities in the country. When your insurance company disputes the value of your hail or storm damage claim, First Call Appraisal invokes the appraisal clause — binding, fast, and no upfront cost.
Free Claim Review (817) 618-9884Dallas sits in the heart of North Texas hail country — a city of 1.3 million people where spring storm seasons regularly produce thousands of insurance claims simultaneously. When catastrophe adjusters descend on Dallas after a major hail event, they work fast and in volume. The result is often a settlement offer that misses covered damage, uses outdated pricing, or applies depreciation schedules that slash your payout below what repairs actually cost.
First Call Appraisal (TX #1921679) represents Dallas homeowners and commercial property owners through the formal insurance appraisal process — from invoking the appraisal clause to securing a binding award the insurer must pay. Our fee is contingency-based: zero upfront cost, zero out-of-pocket fee, and we only collect when we increase your settlement.
Effective January 1, 2026, every Texas residential insurance policy must include a binding appraisal clause under Texas Insurance Code Chapter 1813. Dallas homeowners can demand independent appraisal any time their insurer disputes the amount of a covered storm loss — no attorney, no lawsuit, no court required.
Dallas experiences some of the highest dollar-per-claim storm losses in Texas due to its combination of dense population, high property values, and frequent severe weather. Insurance adjusters processing Dallas claims after a major storm event are often working at high volume with standardized tools that don't reflect the specific characteristics of individual Dallas properties — especially higher-end construction in neighborhoods like Preston Hollow, University Park, or the M Streets.
The appraisal clause gives you the right to an independent valuation that accounts for your specific property, your specific damage, and current Dallas market pricing for materials and labor.