Andy Rouhafzai

Founder & CEO, claimOS. Licensed public adjuster, licensed in six states. He has fought more than 1,000 property claims for policyholders.

Andy Rouhafzai runs a public adjusting firm in Austin. He built claimOS after too many carriers stalled legitimate claims and too many disconnected tools lost the paperwork that would have won them.

Questions about a post, a statute, or a claim? hello@claimos.net

Licensed in six states

TexasLicense #3118729
New MexicoLicense #21027841
VirginiaLicense #1455173
MarylandLicense #3003558037
Washington, D.C.License #3003565744
PennsylvaniaLicense #1263560

Areas of practiceCommercial property damageResidential property damageFireWind & hailDenied claimsBusiness interruption

The firm behind the notes

Andy is founder and public adjuster at Insurance Claim Hero, the Austin-based public adjusting firm that handles more than 500 property claims a year — and claimOS’s first customer.

Field notes by Andy.

State legal
State Farm's Hail Playbook Is Now Public Record in Oklahoma
August 27, 20269 min read
Trend analysis
August 11 Derecho: 616 Wind Reports, 19 Tornadoes, No Record Yet
August 26, 20268 min read
State legal
California's 60% Contents Advance: When the New Rule Pays Less
August 19, 20264 min read
Reference
Contents Inventory Template: Six Fields That Release the Holdback
August 18, 20269 min read
Comparison
ClaimWizard Alternatives for Public Adjuster Firms in 2026: Where Seat Costs Land
August 17, 20264 min read
State legal
Colorado Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
August 16, 20269 min read
Industry data
Hail States Have the Newest Roofs in America
August 15, 20262 min read
Industry data
The Integration Verisk Killed Is Why It Must Now Buy AccuLynx
August 14, 20268 min read
Reference
NFPA 921 Isn't Mandatory. Invoking It Is Binding.
August 13, 20263 min read
Reference
The Xactimate Scope-Writing Checklist Verisk Already Published
August 12, 20269 min read
Industry data
The Median Florida Property Claim Closes in 30 Days. The Average Is 66.
August 11, 20263 min read
Reference
Your Hurricane Date of Loss Isn't the Landfall Date
August 10, 20264 min read
Industry data
Claim Denial Rates by State: NAIC's Real 2026 Numbers Behind the Viral Ranking
August 9, 20269 min read
State legal
North Carolina's Helene Files All Expire in September 2027
August 8, 20264 min read
Workflow
The Late-Notice Expert Report: What Florida's Second District Just Approved
August 7, 20269 min read
Trend analysis
Florida's Late-Notice Burden Now Depends on Your County
August 6, 20262 min read
Reference
First Notice of Loss: A Timing Decision Tree
August 4, 20269 min read
Industry data
Public Adjuster Fee Caps by State: Why “10% Everywhere” Is a Myth (2026)
August 3, 20263 min read
State legal
Georgia Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
August 1, 20267 min read
Workflow
Xactimate Scope Gaps: Sorting a Measurement Fight From a Coverage Fight
July 30, 20263 min read
Comparison
AI Claim Management Software for Public Adjusters: What to Look For in 2026
July 29, 20269 min read
Industry data
Contractor Overhead and Profit: "Three Trades" Isn't the Test
July 27, 20263 min read
Trend analysis
Florida's Fourth DCA: A Paid Coverage Judgment Doesn't Bar the Bad-Faith Claim
July 25, 20262 min read
Trend analysis
Texas Appraisal After In re Ace American: The Interest Clock the Ruling Left Running
July 22, 20269 min read
State legal
Florida Hurricane Claim Deadlines After Milton: The One Clock Still Running
July 20, 20269 min read
Trend analysis
State Farm's Oklahoma Bad-Faith Reckoning: What the Hail Litigation Means for Your Roof Files
July 20, 20265 min read
Data journalism
Public Adjuster Growth in America: A 2018-2026 Licensing Report
July 20, 202619 min read
State legal
Louisiana Hurricane Claim Deadlines: The 60-Day Cure Notice and the Two-Year Window
July 18, 20268 min read
Reference
The Sworn Statement in Proof of Loss: A Field-by-Field Reference for Public Adjusters
July 16, 20268 min read
Comparison
claimOS vs Independent Contractor Workflows: What Carrier-Side Tools Score, and What a PA File Needs
July 14, 20268 min read
Workflow
Mold Claim Documentation: Air Sampling, Containment, and the Sworn Proof of Loss
July 12, 20268 min read
Industry data
The McKinsey Documents: How Allstate Turned Claims Into a Profit Center
July 11, 20267 min read
Industry data
The 2026 Public Adjuster Claim File Anatomy: How Many Photos, Pages, and Days a Real File Holds
July 10, 20268 min read
Trend analysis
Reinsurance Prices Fell in 2026. Why Public Adjuster Claims Still Get Fought Harder.
July 8, 20266 min read
State legal
New York Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide
July 6, 20267 min read
Reference
The Property Insurance Demand Letter: A Working Template and Annotated Example
July 4, 20266 min read
Comparison
claimOS vs Snapsheet: Mobile-First Claim Handling, Compared
July 2, 20265 min read
Workflow
Water Mitigation Documentation: Drying Logs, Equipment, and Carrier Pushback
June 30, 20267 min read
Industry data
Cycle Time After CAT Events: How Long Carriers Really Take After a Named Storm
June 28, 20268 min read
Trend analysis
The 2026 Public Adjuster Compensation Report: What the Numbers Actually Say
June 26, 20266 min read
State legal
California Bad-Faith Insurance Claims: What the 2025 Rulings Mean for Your Files in 2026
June 25, 20267 min read
Reference
Examination Under Oath: A Public Adjuster's Preparation Reference
June 8, 20267 min read
Comparison
claimOS vs ClaimCenter: When Carriers Are on Guidewire and Public Adjusters Aren't
June 6, 20267 min read
Workflow
How a Public Adjuster Documents a Hail Roof So It Survives Re-Inspection
June 4, 20265 min read
Industry data
Average Settlement Time by Peril: Hail, Wind, Water, and Fire — A 2026 Benchmark
June 2, 20266 min read
Trend analysis
AI in Property Claims: Where Carrier Automation Helps Public Adjusters and Where It Hurts
May 30, 20265 min read
State legal
Florida Property Insurance Claim Deadlines and Bad-Faith Protections: 2026 Field Guide
May 28, 20268 min read
Reference
Letter of Representation for Public Adjusters: What It Says, Why It Matters, and a Working Template
May 26, 20267 min read
Comparison
claimOS vs Symbility: Field-Tested Differences for Public Adjusters
May 24, 20267 min read
Workflow
Fire Claim Scope Workflow: From Site Walk to Sworn Proof of Loss
May 22, 20267 min read
Industry data
Hail Claim Density Map 2026: A Public Adjuster's State-by-State Volume Forecast
May 20, 20266 min read
Trend analysis
The 2026 Florida Carrier Behavior Report: How Settlement Tactics Shifted After Tort Reform
May 18, 20266 min read

Field notes by Andy.

State Farm's Hail Playbook Is Now Public Record in Oklahoma

August 11 Derecho: 616 Wind Reports, 19 Tornadoes, No Record Yet

California's 60% Contents Advance: When the New Rule Pays Less

Contents Inventory Template: Six Fields That Release the Holdback

ClaimWizard Alternatives for Public Adjuster Firms in 2026: Where Seat Costs Land

Colorado Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide

Hail States Have the Newest Roofs in America

The Integration Verisk Killed Is Why It Must Now Buy AccuLynx

NFPA 921 Isn't Mandatory. Invoking It Is Binding.

The Xactimate Scope-Writing Checklist Verisk Already Published

The Median Florida Property Claim Closes in 30 Days. The Average Is 66.

Your Hurricane Date of Loss Isn't the Landfall Date

Claim Denial Rates by State: NAIC's Real 2026 Numbers Behind the Viral Ranking

North Carolina's Helene Files All Expire in September 2027

The Late-Notice Expert Report: What Florida's Second District Just Approved

Florida's Late-Notice Burden Now Depends on Your County

First Notice of Loss: A Timing Decision Tree

Public Adjuster Fee Caps by State: Why “10% Everywhere” Is a Myth (2026)

Georgia Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide

Xactimate Scope Gaps: Sorting a Measurement Fight From a Coverage Fight

AI Claim Management Software for Public Adjusters: What to Look For in 2026

Contractor Overhead and Profit: "Three Trades" Isn't the Test

Florida's Fourth DCA: A Paid Coverage Judgment Doesn't Bar the Bad-Faith Claim

Texas Appraisal After In re Ace American: The Interest Clock the Ruling Left Running

Florida Hurricane Claim Deadlines After Milton: The One Clock Still Running

State Farm's Oklahoma Bad-Faith Reckoning: What the Hail Litigation Means for Your Roof Files

Public Adjuster Growth in America: A 2018-2026 Licensing Report

Louisiana Hurricane Claim Deadlines: The 60-Day Cure Notice and the Two-Year Window

The Sworn Statement in Proof of Loss: A Field-by-Field Reference for Public Adjusters

claimOS vs Independent Contractor Workflows: What Carrier-Side Tools Score, and What a PA File Needs

Mold Claim Documentation: Air Sampling, Containment, and the Sworn Proof of Loss

The McKinsey Documents: How Allstate Turned Claims Into a Profit Center

The 2026 Public Adjuster Claim File Anatomy: How Many Photos, Pages, and Days a Real File Holds

Reinsurance Prices Fell in 2026. Why Public Adjuster Claims Still Get Fought Harder.

New York Property Insurance Claim Deadlines: A Public Adjuster's 2026 Field Guide

The Property Insurance Demand Letter: A Working Template and Annotated Example

claimOS vs Snapsheet: Mobile-First Claim Handling, Compared

Water Mitigation Documentation: Drying Logs, Equipment, and Carrier Pushback

Cycle Time After CAT Events: How Long Carriers Really Take After a Named Storm

The 2026 Public Adjuster Compensation Report: What the Numbers Actually Say

California Bad-Faith Insurance Claims: What the 2025 Rulings Mean for Your Files in 2026

Examination Under Oath: A Public Adjuster's Preparation Reference

claimOS vs ClaimCenter: When Carriers Are on Guidewire and Public Adjusters Aren't

How a Public Adjuster Documents a Hail Roof So It Survives Re-Inspection

Average Settlement Time by Peril: Hail, Wind, Water, and Fire — A 2026 Benchmark

AI in Property Claims: Where Carrier Automation Helps Public Adjusters and Where It Hurts

Florida Property Insurance Claim Deadlines and Bad-Faith Protections: 2026 Field Guide

Letter of Representation for Public Adjusters: What It Says, Why It Matters, and a Working Template

claimOS vs Symbility: Field-Tested Differences for Public Adjusters

Fire Claim Scope Workflow: From Site Walk to Sworn Proof of Loss

Hail Claim Density Map 2026: A Public Adjuster's State-by-State Volume Forecast

The 2026 Florida Carrier Behavior Report: How Settlement Tactics Shifted After Tort Reform