We had the good fortune of connecting with Jesus “Jesse” Ramirez and we’ve shared our conversation below.
Hi Jesus “Jesse”, where are your from? We’d love to hear about how your background has played a role in who you are today?
I am from the Rio Grande Valley in South Texas. I grew up as a migrant. My family would travel to other states to clean fields or pick cotton or fruits and vegetables. Growing up in that environment showed me the struggles that a lot of people deal with daily. I never knew how to help, then again, I wasn’t in a position to help anyone either. Around the age of 15 I started working in construction with my uncle. We started doing residential work for a few good years. Later on, we started working on commercial buildings. Then when I was 18 hurricane Katrina hit Louisiana. I was fresh out of high school and my friend had a job lined up for us in Kenner LA. I was so excited to go work and make some money, I didn’t know how bad things were for the local people but at least we were there to help rebuild. After that, I went back to being an electrician but this time, I was working in industrial plants such as the chlorine plant in Clute TX. The last time I worked as an electrician was in Aransas Pass TX. One night going to work I had a horrible accident that injured my neck and back. This changed my life forever. We quickly went through our savings we pawned off and sold what we could to stay afloat and if it weren’t for my parents and in-laws, I’m sure we would have lost everything. After that I became an insurance adjuster working for insurance companies. I found myself working again on another hurricane but this time it was different. People were looking to me to make them whole again. Most of these people lost everything due to flooding and hurricane force winds. I had no idea what to tell these people when they told me their stories with tears in their eyes. what can you say? Years later I was still working for insurance companies but was starting to lose hope in these carriers. I would go out to do a home inspection for a claim and I would see legitimate damage and an inside adjuster who never stepped foot on a roof would tell me to take it off my estimate or erase those pictures. It didn’t sit well with me. So, one day it happened again, and I couldn’t keep quiet about it anymore. I got into an argument with the desk adjuster that day and quit. I worked as a General Contractor for some time trying to help people rebuild after a loss. Most of these had insurance claims and I started seeing the same thing happening to these homeowners. They were being wrongfully denied or severely underpaid. I looked for help and advice from several attorneys that deal with first party claims. Most of these helped some of my clients but I wanted to do more. I researched and joined many Facebook groups where I learned what a Public Adjuster was. I studied hard, passed the test, applied to the Texas Department of Insurance and got my license. Today I’ve helped customers recover hundreds of thousands of dollars that they would not have received if it wasn’t for someone that was knowledgeable in the claims process helping them with their claim. I think it’s important to tell the whole story because all these things have impacted who I am today.
What should our readers know about your business?
I am a Licensed Texas Public Insurance Adjuster.
Most of us have never filed an insurance claim and have no idea what is actually needed. As a Public Adjuster I am your representative. I inspect your home, document all damages and create an estimate of all the damages. I show up to the adjuster’s inspection, I help him as much as I can so that nothing is missed. After that, I review the carriers estimate and if there are any items that are missing, I supplement and negotiate on your behalf to get you the settlement you need.
Most public adjusters today don’t waste their time with small claims because their pay won’t be as much as maybe a commercial claim. I understand why they do it, but I think everyone should have someone in their corner no matter how small of big their claim is. I think that is what sets me apart from others.
My proudest moments have to be when I am able to get a claim that was previously underpaid or denied paid for in full.
Any places to eat or things to do that you can share with our readers? If they have a friend visiting town, what are some spots they could take them to?
I would take them to get some BBQ from 3rd Coast BBQ in Spring I have to say it is some of the best I’ve had anywhere. We are definitely hitting some trails and visit the national forest. Some axe throwing is always fun. and for the nighttime you can’t go wrong with tailgaters.
The Shoutout series is all about recognizing that our success and where we are in life is at least somewhat thanks to the efforts, support, mentorship, love and encouragement of others. So is there someone that you want to dedicate your shoutout to?
My parents are the hardest working people I know. I saw my dad bring us up from living in a small 16 x 16 wood mini home to building a successful business. They help us out a lot when we were down on our luck. They gave us a place to stay as long as we needed. My in-laws kept us financially stable during the time I was injured so I will always be great full for that. My brother in-law that got me into this business. If it wasn’t for him showing up when he did, I don’t know what I would be doing today.