About Enforce Interest
A Texas-licensed public adjusting service built around one part of the Insurance Code: the deadlines insurers must meet, and the interest they owe when they don’t.
The work most policyholders never realize they’re owed.
Insurance claims don’t just get delayed. They get underpaid, re-inspected, supplemented and dragged out — sometimes for months, sometimes for years.
What most policyholders never hear is that in Texas, delay isn’t only an inconvenience. Under Chapter 542 of the Insurance Code it creates a financial liability for the carrier. Enforce Interest exists to identify that liability and document it so it can be recovered.
We are not a general-purpose claims shop. Enforce Interest is a service of Rise Public Adjusting, a Texas Department of Insurance–licensed public adjusting firm (license #3356839) based in Austin, and it concentrates on one question: when should the carrier have paid, and when did it actually pay?
Timeline-driven claim analysis.
Every Enforce Interest engagement follows the same disciplined process.
Review the history
Policy, claim letters, inspections, estimates, payments, supplements and appraisal — everything with a date on it.
Find the triggers
When notice was given, what was requested, when each item arrived and when each payment was due.
Calculate
Interest on each late amount at the right rate, period by period, with every figure traceable.
Present & recover
A clear written presentation to the carrier, and follow-through until the claim is resolved.
Each phase of a claim can carry its own consequences.
| Scenario | What happens | Why it matters |
|---|---|---|
| Late initial payment | Carrier pays after its §542.057 or §542.058 deadline | Interest on the late amount for each day of delay |
| Underpayment corrected later | More money is paid months afterwards | Interest on the difference from the original deadline (Hinojos) |
| Supplement delay | Additional damage submitted; payment stalls | The supplement is evaluated on its own timeline |
| Appraisal award | Carrier pays the award after the dispute | Paying the award doesn’t by itself end prompt-payment liability |
Homeowners and businesses with claims that took too long.
- Homeowners with delayed or underpaid claims
- Property owners dealing with supplements
- Policyholders who went through appraisal
- Commercial property claimants with complex, multi-payment timelines
What we hear most
“My insurance paid — but it took months.”
“They sent more money later and never explained why.”
“We had to file supplement after supplement.”
“We won appraisal, and that was it.”
If that sounds familiar, the interest was probably never addressed.
Built for Texas law
Our work is grounded in Chapter 542, Chapter 542A, the Texas Supreme Court’s appraisal decisions and current OCCC rates — not generic claim advice.
Licensed and accountable
Public adjusters in Texas are licensed and regulated by TDI under Chapter 4102. Our fees are contingent and within the 10% statutory cap.
Honest about limits
We are not a law firm and don’t give legal advice. If a claim needs litigation, we’ll say so plainly.
Claims are treated like transactions. They’re really timelines.
And timelines create obligations. Every day past a statutory deadline has a value set by Texas law. Most people never calculate it. Enforce Interest does.
Think your claim was paid late? Let’s run the timeline.
Send us your claim file for a free review. We rebuild the dates, calculate the statutory interest and tell you plainly whether there is anything to recover. No upfront cost. Texas claims only.