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 Texas Drivers Have Representation Focused on an Accurate One.

Texas drivers: 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.

⚖ Get Your Free Claim Review How It Works ↓
Flat-Fee Pricing · Set Upfront. · 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
20
Days for Insurer
to Respond
100%
Binding Award
Under SB 458
$0
Cost for Your
Initial Review
The Problem

Your Insurer's First Offer Isn't Always the Full Picture.

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 from their side, and the numbers don't always land in your favor. 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.

Lender & Lienholder Disputes

After a total loss, your lienholder gets paid from the settlement before you do — and payoff figures, GAP timing, and diminished-value splits don't always add up. We verify the numbers before you sign anything.

GAP Insurance Shortfalls

GAP is supposed to cover the gap between your loan balance and the payout — but GAP providers sometimes deny claims over technicalities or adopt the insurer's own total loss value without question, even when it's low.

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 20 days 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.

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Lender & Lienholder Disputes

Financed vehicle, total loss claim — the lienholder gets paid first, and payoff figures don't always match what's actually owed. We check the math before the settlement is finalized.
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 →
🧾

GAP Insurance Shortfalls

GAP is supposed to cover what's left after a total loss payout — but providers sometimes deny claims over technicalities or adopt the insurer's own value without question, even when it's low. We push back on both.
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 →
⚖️

Appraisal Clause Demands

A binding provision in your policy lets either side demand an independent, out-of-court resolution when the dollar amount is disputed. We invoke it and manage the process for you.
Learn More →
📋

Repair Estimate Shortfalls

Insurer's repair estimate doesn't match what your shop actually quoted? Missing line items, denied diagnostics, and paint material caps are common culprits. We identify and challenge the gap.
Learn More →
Texas Law

Senate Bill 458 — Your Legal Right.

Texas Insurance Code Chapter 1813 — created by Senate Bill 458 — took effect for personal auto and residential property policies issued or renewed in Texas on or after January 1, 2026, making a binding appraisal provision mandatory rather than optional. The Texas Department of Insurance has implemented the statute's procedural requirements through administrative rule (28 TAC §§5.9800–5.9806), setting deadlines, notice requirements, and appraiser qualification standards. We confirm exactly how these rules apply to your specific policy as part of every free review.

What SB 458 Means for You

Before this appraisal framework existed, disputed claims could drag on with little recourse short of a lawsuit. Chapter 1813's binding appraisal clause now gives Texas policyholders a mandatory mechanism to force resolution, standardized and strengthened for auto claims specifically under SB 458.

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 mandatory under Texas Insurance Code Chapter 1813 for auto policies issued or renewed on or after January 1, 2026
▸TDI's implementing rule (28 TAC §§5.9800–5.9806) sets specific deadlines and appraiser qualification standards for the process
▸Either party — insured or insurer — may invoke the appraisal process
▸Insurer must appoint their appraiser within 20 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 along with your message below. Files go straight to your adjuster and you'll hear from us within one business day.

📎 Submit Your Documents
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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
Dallas–Fort Worth & Statewide Texas
Based in the DFW Metroplex, representing vehicle owners across Texas — including Houston, Austin, San Antonio, and North/East Texas communities like Sherman, Tyler, and Waco.
🕐
Response Time
Within 1 business day
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No commitment. No cost. Just answers.
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