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Our History

Comprehensive Claims Assistance

From Data to Justice: The OPCC Origin Story

The property insurance system was designed to confuse, delay, and wear you down. OPCC was built to do the opposite.

Founded by Alejandro Ayala, a self-taught investigator of patterns, systems, and deeper truths with a background in physics and mathematics, OPCC isn’t your average adjusting firm. It’s a laboratory of advocacy—part forensic unit, part strategy house, and part battle station.

We treat every claim like a mission: evidence gathered, hypotheses tested, and facts presented without fear or favor. Our ethos? Facts over feelings. Justice over shortcuts.

With a foundation in curiosity and a respect for the invisible (moisture, heat, pressure, neglect), Alejandro built OPCC to use everything from drones to microscopes to infrared imaging—not to impress, but to prove.

“We don’t just file paperwork. We weaponize truth.”

Operating in five states with a record of claims reversed, denials overturned, and underpaid policies made whole, OPCC isn’t here to play nice. We’re here to get it right.

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What drives us Forward

Our Values

Mission

Only Plans Claims and Consulting is dedicated to advocating for policyholders by offering expert guidance and professional support in navigating the complexities of insurance claims. The company is committed to ensuring that clients receive fair settlements by leveraging over 20 years of industry experience and providing personalized assistance throughout the claims process. By acting as a trusted partner, Only Plans helps alleviate the stress of dealing with insurance companies and ensures that clients achieve the best possible outcome for their claims.

Values

We are driven by integrity, transparency, and a client-first mentality. We value professionalism and expertise, believing that every client deserves access to knowledgeable, licensed adjusters who will fight for their best interests. Our commitment to ethical practices and clear communication ensures that clients are always informed and empowered to make the best decisions throughout their claims process. We uphold a strong sense of responsibility to minimize financial hardship and provide unwavering support at every step.

Vision

Our vision is to be the leading provider of insurance claims consulting services, empowering individuals and businesses to confidently navigate their claims with clarity and support. We strive to create a future where policyholders no longer feel overwhelmed or underrepresented in the face of insurance challenges. Through our expert services, we aim to redefine the insurance claims experience, ensuring that clients receive the fair and equitable settlements they deserve.

Why OPCC? The Secret Sauce.

  • Relentless Advocacy – We fight like it’s our property.
  • Advanced Tech – Infrared. Drones. 360°. Microscopes. We see what others miss.
  • Multi-State Reach – Licensed in 5 states and counting.
  • Unmatched Wins – We reverse denials. Maximize claims. Period.
  • Post-Settlement Support – You’re not alone after the check.
  • Facts Over Feelings – Our allegiance is to the truth, not the mood of the moment.

Case Studies & Wins

Pinebrook Pointe Apartments, TN

Initial Offer: $128,000
Final Settlement: $352,000
Scope doubled, diagnostics validated, and denial reversed on multiple line items. Property restored. Client ecstatic.

Beamer Residence, TX

Carrier attempted to exclude interior damages citing age of roof.
Our team used aerial imagery, a drone inspection, and wind analysis to prove storm causation. Full interior and roof covered.

Campbell Commercial Complex, GA

Water mitigation delays caused mold growth. Carrier denied based on “neglect.”

Our Most Frequent Asked Questions

FAQ's

The fact of the matter is this: Insurance carries have unlimited resources, adjusters, armies of lawyers, experts, and confusing policies. You need a licensed, professional in your corner to assist you with your claim. We allow you to get a clear picture of all solutions that are available to you in regards to negotiating your claim.

Our Most Frequent Asked Questions

FAQ's

The fact of the matter is this: Insurance carries have unlimited resources, adjusters, armies of lawyers, experts, and confusing policies. You need a licensed, professional in your corner to assist you with your claim. We allow you to get a clear picture of all solutions that are available to you in regards to negotiating your claim.

We provide expert guidance throughout your entire insurance claim process, from understanding your coverage to negotiating a fair settlement. Our team of experienced professionals will assess your policy, interpret complex language, and ensure you are not being shortchanged by your insurer. We handle the paperwork, communications with the insurance carrier, and dispute resolutions, so you can focus on recovering without added stress.

A Public Adjuster is a licensed professional who works on behalf of the policyholder to help manage and negotiate insurance claims. Insurance companies often have their own adjusters, but they work in the insurer’s interest. A Public Adjuster, however, is there to represent you, ensuring you get the maximum settlement you're entitled to under your policy. With their expertise, they can navigate the complexities of your claim, prevent underpayment, and advocate for your rights during the process.

No, our services are typically provided on a contingency fee basis. This means we don’t charge you upfront; instead, we are paid a percentage of the final settlement amount you receive. This aligns our interests with yours, ensuring we work diligently to secure the best possible outcome for your claim.

Only Plans Claims and Consulting specializes in both residential and commercial insurance claims. This includes claims for property damage, water damage, fire damage, storm damage, business interruption, and more. Whether it’s a home or a business claim, our team has the expertise to guide you through the process and secure fair compensation.

The timeline for resolving an insurance claim can vary depending on the complexity of the claim, the responsiveness of the insurance company, and the type of damage involved. While some claims can be settled quickly, others may take longer. Our team works efficiently to expedite the process, but we are also committed to ensuring that every detail is thoroughly reviewed to secure the best possible settlement for you.

Because “wear and tear” is code for “we don’t want to pay you.” Good thing we bring receipts (and infrared footage).

That’s like your Uber driver telling you not to get a mechanic. Respectfully, they don’t do what we do.

Great question. We’ll break it down in our blog, but short version: ACV = what it’s worth now, RCV = what it costs to fix. You’re owed RCV. They want to stall on it. We don’t let them.
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Blogs

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“It’s Not Covered.” And Other Stupid Things We hear in Claims​

A lovingly sarcastic look at the myths, misfires, and madness that plague the insurance claim world—brought to you by people who actually read the policy. Welcome to the claims industry, where logic goes to die, and common sense is an optional endorsement. We’re not here to call people out (okay maybe a little), but after […]

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💨 Thermophoresis, Smoke Ions, and Why Your Walls Still Smell

The fire is out. The restoration crew came through. But your house still smells like smoke. You’re not imagining it— and you’re not overreacting. There’s real science behind why that odor lingers, and most insurers don’t want to talk about it. When most people think about fire damage, they picture charred drywall, soot-stained ceilings, and […]

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Denied Doesn’t Mean Done— Why Your Insurance Claim Deserves a Second Look

You filed the claim. You followed the steps. The damage is real.​ So why did the insurance company say no? For most policyholders, a claim denial feels like a dead end. After all the disruption, documentation, and emotional energy that comes with damage to your home or business, getting a denial letter isn’t just frustrating—it’s […]

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It’s Not Checkers, It’s Chess – The Insurance Claims Process and Advocacy

They’re playing to minimize payouts. You’d better play to win.” Most policyholders think filing an insurance claim is simple: You report the damage, they send someone out, and a fair check follows shortly after. If only it were that easy. The truth? Insurance is a high-stakes, rules-heavy game—and most people are playing  checkers on a chessboard […]

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What Our Clients Are Saying

Our success is measured by our clients' satisfaction

Hear from those we’ve helped get the compensation they deserve.

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.

– 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

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