Had such an awesome experience. Ian came out and really made sure everything was looked at and documented. He kept me in the loop during the process, even explaining the hiccups. Couldn’t be more satisfied with my 1st time using a public adjuster.
Everyone Deserves an Advocate.
Especially When the System Says Otherwise.
Give us the opportunity to remove the headaches, hassles, and confusion while settling your claim
Our Services
Comprehensive Claims Assistance
Perils We Adjust
- Fire & Smoke
- Water Damage (burst pipe, appliance failure, etc.)
- Wind & Hail
- Lightning
- Theft & Vandalism
- Collapse
- Weight of Ice/Snow
- Accidental Discharge
- Mold (when covered)
- Falling Objects
- Explosion
- Aircraft/Vehicle Impact
- Civil Disturbance
- Sinkhole (when applicable)
Nuances of Residential Claims
Your home is where life happens—and when it’s damaged, the impact goes far beyond four walls.
When a loss occurs in a residential setting, it’s not just a structure—it’s where you sleep, eat, work, and live. A fire, water loss, or storm can instantly make the home uninhabitable—or the repairs that follow will. And while your contractor or public adjuster works to reach a fair settlement, you’re still displaced.
Appraisal Support
Okay—I’ve got a contractor saying one thing, and the insurance company saying another. Who’s right? I need a referee.
When you’re deep into a claim and your representative can’t come to an agreement with the insurance company, you’ve hit a wall—and that’s when appraisal may come into play.
Most homeowners don’t even realize their policy contains an appraisal clause—a built-in resolution option that’s triggered when there’s a dispute about the amount of loss (not coverage). But not all appraisal clauses are the same. Some require written notice. Others may limit when it can be used or how the outcome is applied. That’s why it’s essential to review your specific policy’s language—because each clause has its own process and merit.
Claim Denial Reversals
They said it wasn’t covered. We say—let’s take another look.
A claim denial doesn’t always mean the end of the road. In fact, some of our best wins come from what started with a ‘no.’ Whether it’s due to misinterpretation of policy language, incomplete inspections, overlooked documentation, or just plain bad adjusting, claim denials happen—and we know how to challenge them.
Perils We Adjust
- Fire & Smoke
- Water Damage (burst pipe, appliance failure, etc.)
- Wind & Hail
- Lightning
- Theft & Vandalism
- Collapse
- Weight of Ice/Snow
- Accidental Discharge
- Mold (when covered)
- Falling Objects
- Explosion
- Aircraft/Vehicle Impact
- Civil Disturbance
- Sinkhole (when applicable)
Commercial Claims
Your property isn’t just a building—it’s a business, an income stream, and a responsibility.
Only Plans Claims & Consulting serves Texas commercial property owners who need professional, experienced representation in navigating complex property damage claims. We understand that when a commercial property is damaged, the loss doesn’t stop at the structure—it disrupts operations, leases, revenue, and reputation.
Appraisal Support
When the contractor says it’ll cost six figures to fix it, but the insurance company is offering half that. Now what?
When a commercial claim reaches a valuation impasse, and negotiations with the carrier stall, many policyholders are left with a difficult question: Do I take the underpayment—or fight it?
Fortunately, most commercial property insurance policies include an appraisal clause—a contractual path to resolve disputes about the amount of loss, without going to court.
Claim Denial Reversals
Already been told no? Let’s revisit that. We specialize in turning denials into payouts—with proof, not pleading.
ONLY PLANS CLAIMS AND CONSULTING LLC
Experience, Integrity, and
Client Advocacy
Everyone Deserves an Advocate. Especially When the System Says Otherwise.
At Only Plans Claims & Consulting, we don’t just adjust claims—we decode them. Using advanced technology and relentless strategy, we fight for equitable outcomes across residential and commercial property claims. If your insurance carrier’s position feels like a puzzle or a pushback, we’re the team that brings the facts—and the fire.
Why Choose Only Plans Claims and Consulting?
We Handle Everything, Keeping You Informed Every Step of the Way
Our skilled team understands the ins and outs of insurance policies, so you don’t have to.
Fire & Smoke
When things burn, they don’t just leave behind ash. Smoke particles undergo thermophoresis, a process where hot particles move toward cooler surfaces.
Mold
When mold is covered, it must be taken seriously. Mold can grow in as little as 24 hours, and spores often become airborne, affecting air quality long before visible signs appear.
Civil Disturbance
Riot-related damage can include looting, fire, water intrusion, and broken security systems. Documentation is key, and these claims are often heavily scrutinized.
Water Damage
From a pinhole leak to a full-on flood, water doesn’t just soak surfaces—it infiltrates. Drywall, wood, insulation—if it's hygroscopic, it's absorbing.
Lightning
A strike may not leave charring, but it can still wreak havoc: frying electronics, damaging HVACs, or leaving hidden vulnerabilities in wiring.
Collapse
Insurance policies generally cover sudden and accidental collapse, but proving that the event wasn’t the result of long-term wear or negligence is key.
Wind & Hail
Wind uplift can loosen shingles invisibly. Hail dents vents, bruises shingles, and cracks underlayment without breaking the surface. Damage can exist without being obvious.
Explosion
Explosions send out damage in all directions: heat, shockwave, and debris. Whether it’s a gas leak, water heater mishap, or something external, blast damage can be widespread—and nuanced.
Fire & Smoke
When things burn, they don’t just leave behind ash. Smoke particles undergo thermophoresis, a process where hot particles move toward cooler surfaces.
Mold
When mold is covered, it must be taken seriously. Mold can grow in as little as 24 hours, and spores often become airborne, affecting air quality long before visible signs appear.
Civil Disturbance
Riot-related damage can include looting, fire, water intrusion, and broken security systems. Documentation is key, and these claims are often heavily scrutinized.
Water Damage
From a pinhole leak to a full-on flood, water doesn’t just soak surfaces—it infiltrates. Drywall, wood, insulation—if it's hygroscopic, it's absorbing.
Lightning
A strike may not leave charring, but it can still wreak havoc: frying electronics, damaging HVACs, or leaving hidden vulnerabilities in wiring.
Collapse
Insurance policies generally cover sudden and accidental collapse, but proving that the event wasn’t the result of long-term wear or negligence is key.
Wind & Hail
Wind uplift can loosen shingles invisibly. Hail dents vents, bruises shingles, and cracks underlayment without breaking the surface. Damage can exist without being obvious.
Explosion
Explosions send out damage in all directions: heat, shockwave, and debris. Whether it’s a gas leak, water heater mishap, or something external, blast damage can be widespread—and nuanced.
Why Choose Only Plans Claims and Consulting?
Experience and Results You Can Rely On
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+Years
Over a Decade of Expertise
With over 10 years in the insurance claims industry, we have the experience and insights to effectively negotiate on behalf of our clients, maximizing their settlements.
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+Claims
Successful Claim Approvals
We’ve helped hundreds of clients secure fair insurance payouts, turning complex claims into stress-free resolutions with successful outcomes.
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+Homes & Businesses Served
Trusted by Homeowners and Businesses Alike
Our team serves a diverse client base across Texas, earning a reputation for reliability, integrity, and consistent client satisfaction.
Licensed and Ready to Serve You
Proudly Supporting Clients Across Multiple States
Only Plans Claims and Consulting can assist you with insurance claims in Texas, California, Oklahoma, Tennessee and Utah. Wherever you are in these states, our team is ready to guide you through the claims process with expertise and dedication.
Texas
California
Oklahoma
Tennessee
Utah
OUR PROCESS
We built our process around one principle: Get it right the first time. That means no shortcuts, no assumptions—just facts, strategy, and relentless follow-through. Here’s how we do it:
Policy Review & Consultation
Every claim begins with knowledge. We dissect your policy line-by-line to understand coverages, exclusions, and leverage points before we ever step foot on-site.
On-Site Evaluation
Our team conducts a comprehensive inspection using state-of-the-art tools: infrared scanners, 360° imaging, drones, and moisture mapping. Nothing escapes the lens.
Specialist Engagement
When needed, we bring in the big minds: structural engineers, environmental hygienists, licensed trade professionals. If it’s broken, we’ll prove it.
Detailed Estimate Creation
We don’t just write scopes—we write reality. Every estimate reflects covered damages, proper repair methodology, and policy-specific provisions to maximize payout.
Negotiation & Advocacy
We speak the carrier’s language—but we don’t fold. From desk adjusters to field reps, we present irrefutable facts, demand equitable settlements, and never back down.
Post-Settlement Support
Even after the payout, we stick with you. Need help recovering depreciation? Reviewing contractor estimates? We’ve got you.
What Our Clients Are Saying
Our success is measured by our clients' satisfaction
Hear from those we’ve helped get the compensation they deserve.
– Jason F. 
I had Alejandro and Only Plans And Consulting LLC help me out with a Tornado claim. Alejandro and team did a wonderful job despite a very difficult insurance carrier. They were able to navigate through the almost intentional delay tactics and denials. I would wholeheartedly recommend Alejandro and his team as one of the best public adjusters you could hire and wouldn’t hesitate using them again !
– brkhllco
If you're looking for the review to help make a decision on whether or not to use this company then look no further. They handled all my needs and communication to ensure my claim was dealt without any stress on my part. Even when my insurance sent out an engineer to validate any damages Ian was able to pull through get them to acknowledge that I in fact was due on getting my repairs covered. They answered and explained any questions I had and were a blast to work with. I can not stress it enough that these are the people you want in your corner when dealing with claims and such. Couldn't be happier.
– Khiere Simmons
Only Plans Claims and Consulting did an amazing job representing our family’s claim. Carlos was informative and professional. He gave good advice and dealt with the insurance in a clear, consisten, professional way and kept us informed about each step of the way. I strongly recommend them to anyone in need of their expertise.
- Rocky weatherford
Only Plans Claim is an AMAZING! In the midst of my life being in turmoil Krystal, an awesome representative with OP, was patient, thoughtful, communicative and knowledgeable during our entire communication. I was able to deal with my day to day life while Krystal was dealing with the insurance company. THIS COMPANY CARES FOR ITS CLIENTS!!! I would recommend them to any and everyone!
- S. Miller
Ian was extremely helpful and responded to any questions I had. He helped navigate through the whole insurance claim process. It was definitely a long process because the insurance company was being difficult. Very glad he handled everything and got my claim funded and closed.
- Leslie Vega
