User Profile - United Policyholders

Jim Beneke

Jim Beneke is a strong and effective advocate for commercial property owners in the aftermath of a devastating property loss. A third-generation public adjuster, he has a reputation for honesty and integrity in negotiating a fair and proper insurance settlement for his clients.

Through continuing education and involvement with professional organizations and government and regulatory agencies, Jim is also well-versed on trends, laws, and other influences that shape today’s public adjusting industry.

Jim’s grandfather founded A.C. Beneke & Company in New York in 1927. With the 1965 launch of The Beneke Company in Dallas, Jim’s dad R.G. Beneke introduced public adjusting to Texas and the Southwest. Twenty years later, The Beneke Company was an integral part in creating and organizing Adjusters International, a corporation of the nation’s leading public adjusting firms that serve clients around the world. In 1990, Jim brought The Beneke Company/Adjusters International to Austin where he still serves clients nationwide and keeps a close eye on the University of Texas Longhorns.

Jim’s nearly four decades of experience, combined with this rich family tradition, shapes his knowledge and deep appreciation for the history and growth of the public adjusting profession. He has maintained long-term relationships with clients, insurance company representatives and their experts, and others he has worked with over the years. These relationships often benefit clients that are experiencing significant property loss for the first time.

Community Activities

What is the deadline for completing repairs/rebuild in Texas?

State Auto has this in dwelling settlement letter sent to me: “According to the terms and conditions of your policy, we will pay no more than the actual cash value of the damage until actual repair or replacement is complete. You may then make a…

Jim Beneke answered 3 weeks ago • General Question • Alabama

36 views1 answers

Extreme Texas Heat

Would the insurance carrier owe for property, damages or roofing degradation and damage due to the extreme heat waves that have been experienced in North Texas? The heat has caused the shingles to crack, fishmouth, melt, etc. Can I file a claim for this damage?

Jim Beneke answered 3 months ago • Coverage Question • Texas

131 views1 answers

insurance company not responding

Hello I am reaching out about an accident that my granddaughter had in 2022. The other party is suing her personally and our insurance company refuses to respond to request for representation/deposition help. What can I do?

Jim Beneke answered 6 months ago • Coverage Question • Texas

170 views1 answers

Looking for advice – claim denial for roof damage from hail

I’m sorry for the lengthy post, but I wanted to present the full picture, so that the suggestions you provide would be more useful for me. I live in Texas. A lot of my neighbors were getting their roof replaced with their insurance claim payments,…

Jim Beneke answered 6 months ago • Claim Denial • Texas

638 views1 answers

Policy Reformation or retroactive coverage

My home was destroyed by fire on 2-12-23. My agent refuses to talk to me, the adjuster will not send me any field adjuster reports. I did find out that my policy was written up using incorrect data such as square footage and a very…

United Policyholders answered 9 months ago • Coverage Question • Texas

369 views2 answers

Lightning damage

Our house was struck by lightning. We have two water heaters that were damaged. The water heaters had 10 year warranties and were 18 months old. According to the Rheem warranty, lightning strikes void the warranty. The insurance company wants to repair the units. If…

Jim Beneke answered 1 year ago • General Question • Texas

662 views1 answers

Replacement Cost Value

I have a quote from my HO insurance for a water leak. It’s showing GCO&P on the quote plus RCV. I know the GCO&P is the profit the contractor is making, and RCV is the replacement cost value the insurance company is paying. Should the…

Jim Beneke answered 1 year ago • Replacement Cost Value / Actual Cash Value • Texas

2389 views1 answers

ALE Daily Limit

My insurer is now wanting me to move from my one-bedroom hotel room because they say it’s a $20/night higher cost than the daily maximum that they suddenly decided to tell me applies, after 4 months. (By the way, all they’ve been doing is denying…

Jim Beneke answered 1 year ago • Additional Living Expenses (ALE) • Texas

393 views1 answers

Insurance Reasonable Request

I have had insurance companies say they can not accept lump sum estimates. These estimates are built using Xactimate and have a detailed scope of work including all line items and the grand total prices at the bottom. The insurance company argues that it is…

Jim Beneke answered 2 years ago • Damage or Rebuild Estimates • Texas

474 views1 answers