Insurance Company Adjuster
Represents the insurance carrier.
Evaluates the claim on behalf of the insurance company.
Public Adjuster • North Texas
Your Property.Your Claim.Professional Representation.
Nearly Two Decades of Claims Experience. Now Working for Policyholders.
With nearly two decades of property claims experience, Miguel Ruiz helps residential and commercial policyholders document, prepare, and present property claims with clarity, organization, and professional representation.
Nearly Two Decades of Claims Experience
Residential • Commercial • Flood
English & Español
Miguel Ruiz Licensed Texas Public Adjuster
[LICENSE NUMBER TO BE ADDED]
Advocacy • Clarity • Results
Representing Policyholders.Restoring What Matters.
Understanding the Role
Who Represents You in a Property Claim?
Public Adjuster
Represents the policyholder.
Works on behalf of the property owner to help document, organize, prepare, and present the claim.
A public adjuster can help organize the claim, document property damage, evaluate the loss, communicate regarding the claim, and help the policyholder understand the process.
Experience That Matters
Nearly
Two Decadesin Property Claims.
Before becoming a public adjuster, Miguel Ruiz spent approximately 18 years working as an independent adjuster on property claims. That experience gave him firsthand knowledge of how losses are documented, evaluated, organized, and presented throughout the claims process.
Today, Miguel applies that experience on behalf of property owners—helping residential and commercial policyholders approach their claims with greater clarity, preparation, and professional representation.
01
Residential Claims
Supporting homeowners through property damage claims with careful documentation and preparation.
02
Commercial Claims
Helping business owners organize and present commercial property claims with clarity.
03
Flood-Related Claims
Assisting policyholders with flood-related property claims as part of a broader claims practice.
How I Can Help
A More Organized Approach to Your Property Claim
A focused practice of documentation, preparation, and guidance—built around clarity for the policyholder.
- 01
Damage Documentation
Helping document the property damage and supporting information.
- 02
Damage Evaluation
Reviewing the scope and circumstances of the property loss.
- 03
Claim Preparation
Organizing information needed to prepare and support the claim.
- 04
Claim Presentation
Helping prepare and present claim documentation clearly and professionally.
- 05
Claim Communication
Assisting with claim-related communication within the public adjuster’s role.
- 06
Policyholder Guidance
Helping property owners understand where they are in the claim process and what comes next.
Practice Focus
Property Claims We Can Discuss
- Hail
- Wind & Storm
- Water
- Fire & Smoke
- Residential Property
- Commercial Property
- Flood-Related Claims
Coverage and claim eligibility depend on the individual insurance policy and circumstances of the loss.
About Miguel
Claims Experience With a Different Purpose.
Miguel Ruiz brings nearly two decades of property claims experience to Ruiz Adjusting.
Before becoming a public adjuster, Miguel spent approximately 18 years working as an independent adjuster, gaining firsthand experience with residential, commercial, and flood-related property losses.
Today, he brings that experience to the policyholder side of the claims process — helping property owners through what can be one of the most difficult and unfamiliar experiences they face after a property loss.
His approach is built around clear communication, careful documentation, professional representation, and treating people with honesty and respect.
Miguel is fluent in English and Spanish and is committed to serving individuals, families, and business owners with the same principles that guide his life: faith, integrity, and service.
Outside of his professional work, Miguel serves as a head deacon at his local church, where servant leadership and caring for others are an important part of his life.
People First. Always.
The Process
A Clearer Path Through the Claim Process
Start With a Conversation
Tell Miguel what happened, what kind of property was affected, and where your claim currently stands.
Review the Claim
Miguel reviews the available information and discusses whether public adjusting services may be appropriate.
Document & Prepare
Relevant property damage and claim information are organized, evaluated, and prepared.
Present & Communicate
Miguel helps prepare and present the claim and communicates throughout the process within the public adjuster’s role.
Common Questions
Questions About Public Adjusting?
A public adjuster is a licensed professional who can help property owners document, prepare, and present an insurance claim. The role focuses on supporting the policyholder through the claims process.
A public adjuster represents the policyholder — the individual, family, or business owner — rather than the insurance company.
An insurance company adjuster evaluates a claim on behalf of the carrier. A public adjuster works on behalf of the property owner to help organize, document, prepare, and present the claim.
You may consider reaching out after a property loss, or whenever you want help understanding, organizing, or presenting a property insurance claim. Timing and suitability depend on the circumstances of each claim.
In many situations, policyholders may still seek assistance after a claim has already been filed. Whether public adjusting services are appropriate depends on the individual claim and circumstances.
Yes. Ruiz Adjusting can discuss both residential and commercial property claims.
Flood-related property claims may be discussed as part of the practice. Coverage and options depend on the individual policy and the circumstances of the loss.
Public adjusters are typically compensated under a written agreement with the policyholder, often related to the claim proceeds. Fee arrangements vary and should be discussed directly so the terms are clear before any engagement.
Have a Property Claim?
If you are dealing with property damage or already have an insurance claim underway, start with a conversation.
Miguel Ruiz
Public Adjuster
Argyle, Texas
English & Español