Licensed Texas Public Adjuster · Auto Claims Advocate
Built on Faith.  ·  Backed by Law.  ·  Dedicated to a Fair Valuation.

Insurance Companies Have Teams Managing Every Claim.
Now You Have a Texas Public Adjuster Fighting for an Accurate Total Loss, Repair & Diminished Value Settlement.

Whether it's a total loss offer that's thousands below market, a hail repair that got short paid, or a collision claim that doesn't cover your actual damages — you have rights. We fight to enforce them, with transparent flat-fee pricing agreed upfront.

⚖ Get Your Free Claim Review How It Works ↓
Flat-Fee Pricing · $500–$600 per claim. · Review is always free.
Insurance estimate, independent vehicle valuation report, and claim notes on a desk — Kingdom First Claims Advocates
$0
Upfront Cost
to You
15
Days for Insurer
to Respond
100%
Binding Award
Under SB 458
$0
Fee If No
Recovery
The Problem

Your Insurer's Offer Is Built to Minimize. Not Maximize.

Whether your vehicle was totaled, hail damaged, or hit in a collision — when the insurer's offer doesn't feel right, it usually isn't. Insurance company software is engineered to minimize payouts, not maximize them.

Across the North and East Texas markets — where trucks, SUVs, and work vehicles command real premiums — the gap between what the insurer offers and what you're actually owed routinely runs thousands of dollars across every claim type.

Most policyholders accept the first offer without knowing they have the legal right to challenge it. The insurer counts on this.

They have teams of adjusters, appraisers, and attorneys managing every claim to minimize your settlement. Now you have one working for you.

Total Loss — Low ACV Offers

Insurers use stale, out-of-market comparables to suppress your vehicle's actual cash value. Texas trucks and SUVs are frequently valued $3,000–$8,000 below true local market value.

Hail Damage Short Pays

Adjusters cut R&I operations, blending time, aluminum procedures, and OEM-required replacements from hail estimates — leaving shops and clients thousands short.

Collision Repair Disputes

Insurers push non-OEM parts, deny proper repair procedures, and undervalue labor times on collision claims. You're entitled to a proper repair — not a cheap one.

Diminished Value

Even after a perfect repair, your vehicle is worth less because of its accident history. Texas allows you to claim this loss — most insurers never volunteer it.
The Process

Four Steps to a Fair Settlement.

01
Free Review
Call, text, or submit online. We review your total loss offer, repair estimate, or collision claim at zero cost. We'll tell you within hours whether you have a case and roughly what's recoverable.
02
Independent Appraisal
We build your case — market data for total loss disputes, line-item analysis for repair short pays, OEM documentation for collision claims. Every suppressed dollar gets identified and documented.
03
We Force a Binding Review
We invoke the binding appraisal process available under Texas Insurance Code Chapter 1813 and put the insurer on formal notice. The insurer must respond and appoint their own appraiser within a set window under Texas law.
04
You Get Paid What's Fair
The appraisal award is binding and final. Our fee is 10% of what we recover above the insurer's original offer — or a negotiated flat fee on some files. If we don't recover more than their offer, you owe us nothing.
What We Handle

Every Type of Auto Insurance Dispute.

If an insurance company is involved and the number doesn't feel right — we handle it. Kingdom First Claims Advocates represents North, Central, and East Texas policyholders across every category of auto claim dispute.

🌩️

Hail Damage

Short paid hail repair estimates. Missing R&I operations, suppressed labor times, excluded aluminum procedures, denied OEM glass replacements. We recover what the adjuster cut.
Learn More →
🚗

Total Loss Disputes

Insurer declares your vehicle a total loss but the offer is below market. Out-of-market comparables, incorrect condition grades, and stale data cost DFW owners thousands. We fight it.
Learn More →
💥

Collision Claims

Non-OEM parts, denied repair procedures, suppressed labor times on collision damage. You're entitled to a proper repair that restores pre-loss condition — not the cheapest fix.
Learn More →
📉

Diminished Value

Your repaired vehicle is worth less than before the accident because of its history. Texas law allows you to claim this loss against the at-fault party's insurer. Most people never know to ask.
Learn More →
Texas Law

Senate Bill 458 — Your Legal Right.

Texas Insurance Code Chapter 1813 already gives auto policyholders the right to invoke a binding appraisal process on a disputed claim. Texas Senate Bill 458 builds on this by standardizing and expanding the auto-specific appraisal timeline — auto-specific rules under this framework are moving through the state's rulemaking process, with applicability targeted for policies issued or renewed on or after September 1, 2026, once finalized. We confirm exactly where your policy stands as part of every free review.

What SB 458 Means for You

Before this appraisal framework existed, insurers could stall, lowball, and deny supplement requests with little recourse short of a lawsuit. Chapter 1813's appraisal clause gives Texas policyholders a binding mechanism to force resolution today, and SB 458 is set to standardize and strengthen that process further for auto claims.

Either party — insured or insurer — can now invoke appraisal on any covered auto claim and receive a binding award without going to court. The insurer cannot refuse. The award is final as to the amount of loss. This applies to hail damage, collision, and total loss disputes.

Most policyholders and even most repair shops don't know this law exists yet. That's the window you're in right now — and it closes fast as insurers adapt their tactics.

⚖ SB 458 Appraisal Demands Filed by Kingdom First Claims Advocates
Learn How the Appraisal Clause Works →
▸Binding appraisal already available under Texas Insurance Code Chapter 1813 on covered auto claims
▸SB 458's standardized auto appraisal timeline is targeted for policies issued or renewed on or after September 1, 2026, pending final rulemaking
▸Either party — insured or insurer — may invoke the appraisal process
▸Insurer must appoint their appraiser within 15 days of receiving demand
▸The award of two appraisers (or an umpire) is binding and final on the amount of loss
▸No lawsuit required — binding resolution without the cost or delay of litigation
▸Applies to total loss ACV disputes, hail damage short pays, collision repair disputes, and diminished value claims
▸Demand windows are limited — contact us before accepting any offer
Real Results

What Our Clients Recovered

"

State Farm offered $24,200 on my Tahoe. Kingdom First reviewed my file, built an independent appraisal, and recovered $28,900. I had no idea I had the right to challenge it. The process was completely hands-off for me.

Jennifer W.
2021 Chevrolet Tahoe · Dallas, TX
+$4,700 recovered
"

My attorney referred me after my accident. Allstate was $6,000 under market on my Grand Cherokee. Kingdom First had the demand filed within days and the insurer settled within three weeks. Incredible.

Robert C.
2022 Jeep Grand Cherokee · Plano, TX
+$5,800 recovered
"

I thought once I got the check it was over. Kingdom First told me I hadn't signed a release yet and still had options. They recovered another $3,900 on top of what Nationwide had already paid.

Marcus T.
2020 Toyota Tundra · Fort Worth, TX
+$3,900 recovered

* Testimonials are illustrative of typical outcomes. Individual results vary. Past recovery does not guarantee future results.

"But let justice roll down like waters,
and righteousness like an ever-flowing stream."
Amos 5:24
And we seek first the Kingdom — Matthew 6:33

We built this business because we watched too many people accept less than they were owed — not because they had no rights, but because nobody told them what those rights were. Integrity-driven means we fight harder, document more thoroughly, and never recommend a client accept less than what is fair.

It is an act of integrity to fight for what is rightfully owed. And it means we give back.

10%
of every recovery tithed back
to North and East Texas churches & ministries
Existing Clients & Shop Partners

Already Working With Us? Submit Your Documents Here.

Upload photos, estimates, and claim documents directly to your secure case file. Files go straight to your adjuster and you'll hear from us within one business day.

📎 Open Submission Portal
Secure · Photos · PDFs · Estimates · Any device
Get Your Free Review

Call Before You Accept Anything.

Demand windows are limited. The moment you sign a release the opportunity may be gone permanently. Call, text, or fill out the form — your review is always free, and we'll tell you within hours whether you have a case worth fighting.

Dustin Miller
Licensed Texas Public Adjuster · TDI License #3507522
Independent Appraiser & Umpire · SB 458 Specialist
📞
Call or Text
(469) 817-9118
✉
📍
Service Area
Greater Dallas-Fort Worth, North, and East Texas
Proudly serving vehicle owners across the DFW Metroplex, Sherman, Wichita Falls, Paris, Texarkana, Longview, Tyler, and Waco.
🕐
Response Time
Within 1 business day
Start Your Free Review
No commitment. No cost. Just answers.
✅
Claim Review Submitted
We received your information and will be in touch within one business day. If your situation is urgent, call or text us directly at (469) 817-9118.
By submitting you authorize Kingdom First Claims Advocates to contact you regarding your claim. This does not create a PA engagement — a signed engagement agreement and TDI Form FIN535 are required before representation begins. Flat-fee pricing applies based on claim type, agreed upfront.