After 40+ years of solving people’s insurance claim problems — without holding a PA license — Charlie only brings in licensed PAs when needed legally or when invited to assist. Contractors cannot legally interpret policy language, but Charlie’s team structure and deep industry resources, ensures the client is always covered.
Then — and only then — we do the repair. And we do it well.
We guide homeowners through a corrupt, often impenetrable insurance system — and help ensure their work is funded in full (except the deductible, which Texas State Law REQUIRES a homeowner to pay, in MOST cases). Charlie gives away his knowledge freely because the right clients respond to clarity, trust, and results.
People don’t realize that the claim is the key.
Insurance carriers bring 100x the experience of the homeowner — especially in knowing what not to say. That imbalance is where most claims fall apart. Charlie ends that. He knows what to say, what not to say, and what questions to ask. He knows what insurance company adjusters are likely to avoid discussing — and how to bring it all into the light. By documenting the claim using both the carrier’s own materials and his own estimating systems, Charlie consistently limits his clients’ financial exposure to just their deductible — while restoring their property to full pre-loss condition.
We Audit Their Work. And Fix It.
Most contractors read off insurance estimates like a shopping list. We audit those estimates to find omissions and underscoped repairs. In many cases, we don’t even need to submit a new estimate — we just present the right information, the right way, to get a fast claim approval.
Storm24 vs Franchise Operators
Unlike big franchise operations like ServPro or ServiceMaster, who are beholden to insurance carriers and limited by code restrictions in Xactimate, Storm24 is fully independent. We serve no corporate “master” — only the client. Most of those franchises are ex-water damage contractors that evolved into structural work without the know-how.
Charlie estimates they get it wrong 97% of the time.
