Confirm the claim facts
TBM verifies policy information, date of loss, parties involved, current claim status, and the right communication path.
TBM Public Adjusters · TDI License #3016484
Licensed Texas public adjuster for property insurance claims
TBM Public Adjusters is a Texas-licensed public adjuster (TDI lic. #3016484) that represents homeowners and property owners after hail, wind, water and fire damage. We work for you, not the insurance company: we document the damage, organize the file, and represent your interests through the claim.
Licensed Texas public adjuster representation
No upfront or out-of-pocket representation fee
Private, claim-scoped document access
Your side of the claim
The carrier manages its exposure. TBM represents the policyholder.
An insurance carrier has a claim process built around reserves, scope, payment timing, and documentation standards. TBM Public Adjusters gives the property owner a licensed representative who can build an organized record, identify missing support, and keep the claim moving.
The carrier's role
TBM Public Adjusters' role
Evaluates the claim under the carrier's process and financial controls.
Represents the policyholder's interests within the public-adjusting process.
Builds an estimate from the information available in the carrier file.
Documents pre-loss condition, damage, repair requirements, and supporting records.
Communicates carrier requests, inspections, decisions, and payments.
Tracks communications, deadlines, inspections, payments, and next actions for the owner.
Issues its coverage and scope position.
Compares that position with the policy, documented damage, and repair scope.
How TBM works
One claim record. Four disciplined stages.
TBM Public Adjusters turns scattered photos, estimates, letters, and conversations into a claim process the property owner can follow.
Build the property record
Photos, estimates, carrier letters, payments, reports, invoices, and property documentation are organized in one file.
Compare coverage and scope
The carrier position is reviewed against the policy, documented damage, repair requirements, and supporting records.
Track every next action
TBM tracks requests, inspections, deadlines, payment activity, and communications so the file does not rely on memory.
Detail changes the file
TBM documents what the property needs, not just what is easiest to price.
A strong claim record connects visible conditions to repair requirements and source documents. TBM Public Adjusters assembles that support so gaps are easier to identify and address.
- Property and damage photographs
- Contractor estimates and repair requirements
- Carrier estimates, letters, and payment records
- Inspection reports, invoices, and supporting documents
Who stands behind the work
Tyler B. Mishoulam, Licensed Texas Public Adjuster
TBM Public Adjusters LLC is owned and operated by Tyler B. Mishoulam, a public adjuster licensed by the Texas Department of Insurance (license #3016484, NPN #30739946). Every claim TBM takes on is handled under that license and under the Texas public-adjusting rules in Insurance Code Chapter 4102, which require a public adjuster to represent only the policyholder, disclose fees before signing, and never act as the repair contractor on the same loss.
Tyler also builds Indemnify, the secure claim workspace TBM clients use to see their documents, carrier communications and next steps in one place, so the file is never dependent on anyone's memory.
- Licensed by
- Texas Department of Insurance
- TDI license
- #3016484
- NPN
- #30739946
- Represents
- Policyholders only — never the carrier
- Fee
- Contingency, disclosed in writing; capped by Texas law
- Service area
- Texas statewide — Austin, San Antonio, Houston, Dallas–Fort Worth
Indemnify TBM's secure client claim workspace
TBM represents you. Indemnify organizes the file.
Your TBM claim stays organized in one secure workspace.
TBM Public Adjusters is the licensed firm representing the policyholder. Indemnify is the technology TBM uses for intake, documents, claim activity, and client access—it is not a separate adjusting firm.
Texas public-adjusting boundaries
TBM provides public adjuster representation, not contractor claim adjusting and not an assignment-of-benefits structure.
Fee disclosure before signing
The contingency fee schedule is disclosed before representation begins. There is no upfront or out-of-pocket representation fee.
Private claim workspace
SOC 2-aligned storage controls, signed document access, and role-based visibility help keep files limited to the right claim and user.
Traceable activity
Audit trails and compliance-aware workflows create a clearer record of documents, access, and claim activity.
Questions property owners ask
Public adjuster FAQ
What does a public adjuster do?
A public adjuster represents the policyholder, not the insurance carrier. TBM Public Adjusters documents pre-loss condition and damage, organizes estimates, carrier letters, and payment records, compares the carrier's position with the policy and repair scope, and tracks communications, inspections, deadlines, and payments.
Is TBM Public Adjusters licensed in Texas?
Yes. TBM Public Adjusters LLC is a licensed Texas public adjuster, TDI License #3016484, NPN #30739946, and operates under Texas Insurance Code Chapter 4102 and 28 TAC §19.708.
Do I pay anything upfront?
No. There is no upfront or out-of-pocket representation fee. The contingency fee schedule is disclosed before representation begins.
Who does TBM represent: me or the insurance company?
TBM represents the policyholder. The carrier evaluates the claim under its own process and financial controls; TBM represents the property owner's interests within the public-adjusting process.
Is TBM a contractor or an assignment-of-benefits company?
No. TBM provides public adjuster representation, not contractor claim adjusting and not an assignment-of-benefits structure.
What is Indemnify?
Indemnify is the secure claim workspace TBM uses for intake, documents, claim activity, and client access. It is not a separate adjusting firm; TBM Public Adjusters is the licensed firm representing you.
Start with TBM Public Adjusters