Property Claim Survival Kit

A step-by-step guide to documenting damage, organizing your claim, understanding the paperwork, and avoiding costly mistakes.

CONTACT INFORMATION, LEGAL DISCLAIMER

AND SERVICE CREDIT TERMS

KELLY BALLARD

Texas Public Insurance Adjuster | License #2067621

P.O. Box 1706 | Decatur, Texas 76234 | kellyrballard1@gmail.com

TEXAS-SPECIFIC EDUCATIONAL MATERIAL

This publication was prepared primarily for property owners, insureds, contractors, and other readers dealing with property insurance matters in the State of Texas. It reflects general Texas claim practices and publicly available information existing when prepared. Insurance policies, statutes, regulations, administrative guidance, court decisions, and industry practices change. No representation is made that this publication applies in another state or jurisdiction, or that every statement remains current after publication.

EDUCATIONAL USE ONLY - NO LEGAL OR PROFESSIONAL ADVICE

This publication is provided solely for general educational and informational purposes. It is not legal advice and should not be construed as legal advice, a legal opinion, or a substitute for advice from a licensed Texas attorney. It also does not provide tax, accounting, engineering, architectural, environmental, medical, construction, appraisal, underwriting, or insurance-coverage advice. Readers remain responsible for reviewing their own policy, endorsements, contracts, deadlines, facts, and applicable law, and for obtaining qualified professional assistance when needed.

NO PROFESSIONAL RELATIONSHIP OR GUARANTEE

Purchasing, receiving, reading, or using this publication does not create an attorney-client relationship, public-adjuster-client relationship, consultant-client relationship, fiduciary relationship, agency relationship, or other professional engagement with Kelly Ballard. A public insurance adjusting or claim-review engagement begins only after the matter is accepted and all required written agreements are fully executed. No claim outcome, coverage determination, settlement amount, repair result, or recovery is promised or guaranteed.

ACCURACY, RELIANCE, AND LIMITATION OF RESPONSIBILITY

Reasonable efforts were made to present useful and accurate information. Each claim is fact-specific, and policy language controls. To the fullest extent permitted by law, the author and publisher disclaim responsibility for losses, damages, costs, penalties, missed deadlines, or other consequences arising from reliance on this publication or from the reader's acts or omissions. References to agencies, websites, vendors, products, or professionals do not constitute an endorsement. Readers should independently verify all information before acting.

ONE-TIME PURCHASE PRICE SERVICE CREDIT

The documented purchase price of this guide is eligible for a one-time credit toward the purchaser's first paid claim-review service or first public insurance adjusting engagement with Kelly Ballard when used within 12 months after the purchase date.

The credit is subject to service availability, claim suitability, Texas licensing requirements, acceptance of the engagement, and execution of any required written agreement. It has no cash value, is nontransferable, cannot exceed the fee otherwise due for the qualifying service, cannot be combined with another discount or promotional credit, and applies only once. Public-adjuster compensation remains governed by the written public-adjuster contract and applicable Texas law. Purchase of the guide does not require Kelly Ballard to accept a claim or engagement.

Copyright © 2026 Kelly Ballard. All rights reserved. No unauthorized reproduction, resale, or distribution.