Every tragedy, America recovers.
When fire, water, or storm hits your property, the insurance company sends their adjuster. He works for them. Brandon Hornick works for you — and fights to recover every dollar your policy promises.
Someone finally on your side of the table.
A public adjuster works for the policyholder — never the insurance company. Same claim, same policy — but now you have a fighter in your corner.
We work for you
Your insurer's adjuster is paid by your insurer. Brandon is retained by you, to represent you. He reads your policy on your behalf and holds the carrier to every word of it.
We document everything
Structure, contents, and additional living expenses — room by room, item by item. The loss a carrier under-counts is money you leave on the table.
We fight for fair
We file, substantiate, and negotiate your claim toward the full value your policy promises — and we show our work every step of the way.
Every claim. Every angle.
From the structure to what's inside it, from where you'll sleep tonight to keeping your business alive — the whole claim gets fought, not just part of it.
Residential Property
Fire, smoke, water, storm, wind, hail, and mold losses to your home. We rebuild the estimate the carrier under-scoped — room by room.
- Fire & Smoke
- Water
- Storm & Wind
- Hail
- Mold
Contents & Personal Property
Most people undervalue their belongings by half. We build an itemized, supported inventory list the carrier can't easily discount — like the $215,492 room-by-room inventory documented on a recent fire loss.
- Room-by-Room Inventory
- Replacement Cost
- Depreciation Recovery
Housing & ALE
If your home isn't safe to live in, your policy may owe you a place to stay. We push to get you housed fast — and home faster.
- Temporary Housing
- Loss of Use
- Displacement Costs
Commercial Claims
A commercial loss isn't just the building — it's the business. Property damage, business interruption, lost income, extra expense.
- Business Interruption
- Lost Income
- Ordinance & Law
Three minutes that can change your claim.
Straight talk on how the claims process really works — and where policyholders leave money on the table.
What a contents claim really is
A contents claim is a room-by-room inventory list of everything you owned — each item's age, condition, and replacement cost, documented and proven. It's far more than any one person can rebuild alone after a loss, so we build it with you.
How housing vendors work
If your home isn't livable, your policy may owe you a place to stay. How temporary housing gets arranged — and billed the way your coverage understands.
Commercial property coverage, explained
Business interruption, lost income, extra expense — the coverages most owners never read until a loss happens, and how we make sure they pay.
Get what you're owed.
Every figure below is a settled claim: the carrier's first offer, struck — and what the policy actually paid, in full.
Fire reached the attic and truss system the carrier under-scoped. Structure, contents, and cleaning — settled within 60 days.
The fire department poured thousands of gallons through the home. We proved the full scope of fire and water — whole-home recovery.
Full structural amount plus the full contents limit after 45 days of negotiation — nearly 4× the carrier's opening number.
Hired immediately — our estimate was built before the carrier ever inspected. They met our demand at full policy limits in a week.
The carrier tried to hold an investor to actual cash value. We fought for — and won — the full replacement cost, plus the contents limit.
Payments were locked pending a state investigation. We pushed the carrier's own investigator on site and released the funds ~60 days early.
Figures reflect actual settled American Recovery claims. Past results do not guarantee future outcomes; every claim is different.
One adjuster. Your whole claim.
American Recovery is a licensed public adjusting firm representing homeowners, property owners, and business owners across Texas, Florida, and South Carolina. We are retained by policyholders — never by carriers.
Brandon Hornick is the owner and the adjuster on every claim. He has fought hundreds of claims — most of them fires — and is licensed by the state to stand up for property owners. When you call, you get Brandon. Not a call center, not a case number, not a hand-off.
When a claim calls for it, he brings in trusted estimators, documentation specialists, and housing partners — and manages them so you never have to.
From first call to final check.
It costs nothing to start, and you owe nothing unless we recover for you.
Free claim review
Tell us what happened. Brandon reviews your loss and your policy — and gives you a straight answer on where you stand.
We document the loss
Structure, contents, and living expenses get scoped and substantiated — every covered dollar, on the record.
We negotiate
We file, push back on lowball offers, and hold the carrier to the full value your policy promises.
You get paid
Our fee is a percentage of what we recover — if we don't recover, you don't pay. Simple as that.
Answers, straight up.
What does a public adjuster cost?
Nothing up front. We work on contingency — a percentage of what we recover for you. If we don't recover anything, you owe nothing. The free claim review carries no obligation.
How is this different from the adjuster my insurance company sent?
The adjuster your carrier sends is paid by the carrier — their job is to settle the claim for the company. A public adjuster is licensed by the state to represent you, the policyholder. Same claim, opposite side of the table.
My claim was denied or underpaid. Can you still help?
Yes. Denials and lowball settlements are exactly where a public adjuster earns their keep. We re-open the file, re-document the loss, and challenge the carrier's position with evidence. Denied claims have been reversed and paid in full.
Where do you work?
American Recovery is based in Florida and licensed to represent policyholders in Texas, Florida, and South Carolina. If your loss is in another state, reach out anyway — we can often point you to someone trustworthy.
How fast should I contact you after a loss?
The sooner the better — ideally before you accept any offer or sign anything. Early documentation is the strongest documentation. We respond to new losses within one business day, usually faster.
Tell us what happened. We fight for the rest.
Fill this out and Brandon calls you back within one business day. It costs nothing to start, and you owe nothing unless we recover for you.
- Call or text(254) 744-5593 — active losses get same-day attention.
- Emailclaims@americanrecoverypa.com
- ServingTexas · Florida · South Carolina — based in Florida, on-site where the loss is.
We've got it.
Brandon will reach out within one business day. Keep your policy number and any photos handy.