Licensed Texas Public Adjuster · Auto Claims Advocate
Built on Faith.  ·  Backed by Law.  ·  Fighting for You.

Your Insurance Company Has a Team
Minimizing Your Claim.
Now You Have One Fighting Back.

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. No cost unless we recover more.

⚖ Get Your Free Claim Review How It Works ↓
No recovery · No fee. Ever. · Review is always free.
$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.

In the DFW market — 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 a team of adjusters, appraisers, and attorneys working 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. DFW trucks and SUVs routinely get valued $3,000–$8,000 below true market.
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
Using Texas SB 458 and §542 prompt payment law, we put the insurer on formal notice. They have 15 days to respond to an appraisal demand. No more stalling. No more supplement cycles. The process is mandatory.
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 DFW 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.
🚗
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.
💥
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.
📉
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.
⏱️
Prompt Pay Violations
Texas §542 requires insurers to acknowledge, investigate, and pay claims within strict deadlines. Violations trigger an 18% interest penalty on top of your claim. We track and enforce these timelines.
🔧
Shop Supplement Support
PDR and collision shops with stalled or short paid supplements. We step in, send formal demand on PA letterhead, and invoke appraisal if needed. Shops stay friendly with adjusters — we absorb the friction.
Texas Law

Senate Bill 458 — Your Legal Right.

Texas Senate Bill 458, effective for policies issued or renewed on or after January 1, 2026, requires every personal auto policy to include a mandatory binding appraisal clause. This applies to total loss ACV disputes, repair amount disputes, and diminished value claims.

What SB 458 Means for You

Before SB 458, insurers could stall, lowball, and deny supplement requests indefinitely on both total loss and repair claims. Policyholders had no binding mechanism to force resolution. SB 458 changed that permanently.

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
▸Mandatory for every personal auto policy issued or renewed in Texas on or after January 1, 2026
▸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 DFW 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) 744-1196
✉
📍
Service Area
Dallas–Fort Worth Metroplex, Texas
🕐
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) 744-1196.
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. No fee unless we recover more than the insurer's offer.