Unlike most businesses, LRG Claims-Loss Recovery Group did not originate as a business venture, but out of a genuine necessity to help people navigate the often complicated and frustrating world of insurance claims. LRG's founder, Randall Harris, recognized a significant gap in the market: most policyholders, when faced with a loss, were struggling to understand their insurance policies, properly document their claims, and negotiate fair settlements with insurance companies.

Out of a sincere desire to assist people during challenging times, rather than purely for commercial gain, LRG-Loss Recovery Group was created. The firm's origins are rooted in advocacy, fairness, empathy, and results, all aimed at ensuring that policyholders receive the support and compensation to which they are entitled. This foundational philosophy underscores LRG's commitment to helping clients navigate the often-daunting insurance claims process with confidence and clarity. What started with one person managing an insurance claim for a friend, has grown to become recognized as one of the leading Public Adjusting Firms in the country.

LRG Claims-Loss Recovery Group has been successfully operating as a Public Adjusting Firm since 2008. 

WHAT WE'RE KNOWN FOR

LRG Claims has earned a formidable reputation as a leading Public Adjusting firm, particularly among commercial clients, municipalities, and school districts. Before hiring a Public Adjusting firm, learn more about their reputation, see what past clients have said about their experience with the firm. Do not stop there, ask for references, ask for proof of past results, ask as many questions as necessary until feeling comfortable about which firm to choose. Clients choosing LRG are choosing a firm with a solid record of handling claims, while successfully building a reputation for reliability and competence.

Some firms invest heavily in building a sales and marketing team. 

Do not fall for someone telling you what you want to hear, just to get your business.

You are not looking for a salesperson.

You are looking for an experienced professional you can trust.

LRG clients know they are in capable hands.

LRG agrees that credentials serve as a mark of professionalism and competence. Of course, licensing, training, and certifications serve as credentials, and it is important to make sure they are valid.

However, just having a license does not mean you are competent or qualified; it only means that you are allowed to offer a specific service or perform a given task. Read the following example:

If you suffer a loss valued at $10,000,000 or more, does that mean that any licensed Public Adjuster is competent and qualified to manage your claim?

ABSOLUTLEY NOT...

Unless the Public Adjuster can demonstrate they have successfully managed a loss of $10,000,000 or more, then they have not yet demonstrated their competence or ability to handle a loss of this size. 

Clients are more likely to trust and feel confident in the decisions made by someone with recognized qualifications, and a proven record. LRG has the necessary credentials.

Clients recognize LRG as a firm they can trust. Firms who have been in the claims business for a long time, like LRG, have a deeper understanding of the ins and outs of the insurance claims process. When working with a Public Adjusting firm, trusting in their guidance and recommendations is critical. 

This trust is particularly important in sensitive situations, such as when dealing with significant losses. 

LRG is a trusted source.

It would be exceedingly difficult to question LRG's experience. Firms having the experience of LRG are more familiar with the processes, regulations, and best practices involved. This expertise can lead to more accurate assessments, efficient processing, and better outcomes for clients.

LRG is not part of a franchise.

We are a Team of experienced professionals who settle claims utilizing the experience and skill of each Team Member.

LRG's capability and experience are referenced throughout this website.

At the end of the day, LRG Clients expect results; that is exactly what they get. LRG has a built reputation of success among their clients, by continually demonstrating their ability to deliver results. 

This is something on which LRG has never failed to deliver. 

When considering the amount of large, complex claims managed by LRG, it becomes clear as to why clients with large losses choose LRG to manage their claims.

EXPERIENCE MATTERS

The following numbers provide a brief overview of LRG's history, capability, and manpower.

1276

CLIENTS

93

SCHOOL DISTRICT CLAIMS

3377

CLAIMS

1325

COMMERCIAL CLAIMS

5938

STRUCTURES

26

MUNICIPAL CLAIMS

30

STATES

460

MULTI-FAMILY CLAIMS

A few Partners we've assisted

CITY OF LAKE CHARLES

FORT WORTH ISD

CALCASIEU PARISH

ROCKPORT-FULTON ISD

CHENNAULT

INTERNATIONAL
airport

NAVARRE AUTO GROUP

CHURCH OF GOD

INTERNATIONAL

LAKE CHARLES REGIONAL AIRPORT

BRIDGE CITY ISD

CITY OF JENNINGS

KERMIT
ISD

BEAUREGARD PARISH

SULPHUR SPRINGS ISD

CITY OF WESTLAKE

CITY OF DEQUINCY

TOWN OF VINTON

REFUGIO
ISD

HAMILTON
CHRISTIAN
SCHOOL

KOUNTZE
ISD

PORT ARTHUR
ISD

COMMERCIAL CLAIMS

Whether you should hire a Public Adjuster for a commercial claim depends on several factors, but there are strong arguments in favor of doing so. To begin with, are you really going to rely on the insurance company to tell you how much you are owed? Trust LRG to handle your claim, while you focus on keeping your business up and running. Here are a few things to consider:



Complexity of the Claim

High Stakes: Commercial claims often involve substantial amounts of money and complex coverage issues. A Public Adjuster from LRG can ensure that all aspects of the claim are properly handled.

Intricate Policy Language: Insurance policies can be difficult to understand, with clauses and terms that may be interpreted differently by the insurer. A Public Adjuster from LRG can help clarify these terms and ensure you are fully covered.


Maximizing Your Settlement

Thorough Documentation: LRG Public Adjusters are skilled at identifying all potential damages and documenting them comprehensively, which helps ensure you are paid for everything.

Advocacy: Unlike insurance company adjusters, who represent the insurer's interests, LRG Public Adjusters work exclusively for you, aiming to secure the maximum payout to which you are entitled.


Saving Time and Reducing Stress

Streamlined Process: Managing a commercial claim can be time-consuming and stressful. A competent Public Adjuster manages the entire process, from initial assessment to final negotiations, allowing you to focus on your business.

Expert Negotiation: If the insurer disputes the claim or offers a low settlement, a Public Adjuster from LRG is qualified to effectively negotiate on your behalf.


Risk of Underpayment

Ensuring Fair Compensation: Without a Public Adjuster from LRG, there is a risk that the insurance company may underpay your claim. A Public Adjuster ensures that you receive a settlement that accurately reflects the damage and your policy’s coverage.


When a Claim is Disputed

Conflict Resolution: If the insurance company denies or disputes your claim, a Public Adjuster from LRG can challenge the insurer’s decision, using their knowledge and experience to advocate for a fair resolution.


Cost-Benefit Consideration

Fees vs. Gains: Public Adjusters typically charge a percentage of the claim payout as their fee. However, the increase in settlement they secure often outweighs this cost many times over, making it a worthwhile investment.



Conclusion

Call a Professional from LRG, especially if the claim is significant, complex, or disputed. Their expertise can ensure that you receive the full benefits of your policy, saving you time, stress, and potentially increasing your payout.

SCHOOL DISTRICT & MUNICIPALities

Numerous municipalities and school districts have entrusted LRG to handle property damage claims on more than 1300 structures. There are several compelling reason why LRG is a trusted source:


Specialized Expertise in Public Sector Claims

Understanding of Public Needs: LRG has a deep understanding of the specific challenges and requirements faced by municipalities and school districts. They are familiar with the intricacies of public sector claims, such as dealing with government-owned buildings, public infrastructure, and the complexities of funding and budgeting within these entities.


Expertise in Educational Institutions

LRG specializes in serving school districts, which means they understand the unique challenges and requirements that schools face when dealing with property damage. This expertise ensures that claims are handled efficiently and in a way that minimizes disruption to the educational process. 


Comprehensive Claims Management

End-to-End Service: LRG offers a full range of services, from the initial assessment of damage to the final settlement of the claim. Their ability to manage every aspect of the claims process allows municipalities and school districts to focus on their primary responsibilities—serving the public and educating students—while LRG handles the complexities of the insurance process.


Maximizing Financial Recovery

Detailed Documentation and Negotiation: LRG is known for their meticulous approach to documenting damages and negotiating with insurers. This ensures that municipalities and school districts receive the full compensation they are entitled to under their policies, which is critical for repairing and restoring public facilities.


Rapid Response and Resolution

Minimizing Disruption: Time is of the essence when public facilities are damaged, as delays can disrupt essential services and educational activities. LRG is trusted for their ability to respond quickly and efficiently, expediting the claims process to minimize downtime and ensure that repairs can begin as soon as possible.


Strong Relationships with Insurers

Smooth Negotiations: LRG has established strong relationships with major insurance carriers, which can facilitate smoother and faster negotiations. Their credibility and experience mean that they are taken seriously by insurers, leading to more favorable settlements for their clients.


Proven Track Record

Successful Outcomes: With years of experience and a history of successful claims management for public entities, LRG has built a reputation as a reliable and effective partner. Municipalities and school districts trust LRG because of their proven ability to deliver positive outcomes, even in complex or large-scale claims.


Tailored Solutions

Customized Approach: LRG understands that each municipality and school district has unique needs. They provide tailored solutions that address the specific challenges and requirements of each client, ensuring that all aspects of the claim are managed with the organization’s best interests in mind.


Transparent Communication and Support

Clear Guidance: LRG offers clear, consistent communication throughout the claims process. They keep their clients informed at every stage, providing guidance and support to help them navigate the often complex insurance landscape. This transparency builds trust and confidence in their services.           

                                  

These factors make LRG a trusted choice for municipalities and school districts looking for an experienced, reliable partner to handle their property damage insurance claims. Their expertise, efficiency, and commitment to maximizing recovery ensure that public entities can recover from damage and continue their essential functions with minimal disruption.



SEE what a few of them have to say

ALTO

"What LRG has done for our district is more than just a job -they have demonstrated a steadfast commitment to their customers.

They listened to our needs, worked quickly and professionally, and met their timelines. That is customer service at its finest. A sincere thank you to them for a job well done."


Kelly West

Alto ISO Superintendent

MABANK

“I can definitely recommend that if you have a property damage insurance claim to let LRG work with you throughout the process. They will be your advocate and work hard to ensure that all damage that is sustained is covered as it should be by the insurance company.”


Dr. Russell D. Marshall,

Superintendent Mabank ISD

ALAMO HEIGHTs

“LRG made sure that the carrier walked all the buildings and were there to point out damage that the carrier did not notice….I recommend LRG if your district does not have the expertise or feel that you are not getting the value from your claim through your carrier.”


Mike Hagar, Assistant Superintendent for Business/Finance, Alamo Heights ISD

STEPHENVILLE

“Obviously, Stephenville ISD was very pleased with this outcome and appreciates the time and preparation they (LRG) put into representing our interests.”


Matt Underwood, Superintendent Stephenville ISD

COMMERCE

“The process was very straightforward and transparent. LRG was thorough and professional in all of their dealings with the adjusters from the district’s normal insurance company…When all the dust settled, we received an additional settlement that was 300% more than the original claim.”


Blake Cooper, Executive Director for Friends of Texas Public Schools and former Superintendent Commerce ISD

TEXAS CITY

"I have had great experience with LRG, especially after Hurricane Harvey destroyed three of my campuses in Texas City ISD. LRG is skilled, smart, tough and know how to protect your interests. This is a great organization and they are skilled at working with Trustees and Administrators to get things rolling in the right direction. LRG will get you the money you are owed"


Rodney D. Cavness, Ed.D. Superintendent, Texas City ISD

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LOSS RECOVERY GROUP

LRG CLAIMS-LOSS RECOVERY GROUP

(800) 956-8650

(409) 351-4774

[email protected]


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