Ruben Hernandez

Public Adjuster | Building Consultant
IICRC WRT/ASD, B/S I/O Psychology
CO-730314, GA-3351837, IA-9063770, KS-9063770, KY-DOI-1177722, LA-897250, NV-3560494, OK-100302557, TX-1907765 all-lines & 2120315 PIA

Ruben Hernandez is a highly accomplished and dedicated public adjuster and claims expert with over a decade of comprehensive experience in estimating and complex claims handling. Based in Houston, Texas, Ruben has established himself as a renowned specialist in Xactimate estimating for both residential and commercial properties, with particular expertise in catastrophe (CAT) duty estimating and large loss claims management.

Ruben’s comprehensive understanding spans all lines of adjusting, water restoration techniques, public insurance adjusting principles, and construction processes, making him uniquely qualified to handle the most complex and challenging property damage scenarios. His technical expertise, combined with his commitment to client advocacy, has made him a trusted resource for policyholders facing significant property losses.

Ruben’s robust educational foundation reflects his commitment to continuous learning and professional development. He is currently enhancing his expertise by completing the SPPA 30 Claim Principles & Practices for Public Adjusters course through The Institutes, demonstrating his dedication to maintaining the highest professional standards and staying current with industry best practices.

His academic background includes a Bachelor of Science in Psychology from the University of Phoenix (2015), which uniquely complements his technical skills by providing him with a sophisticated understanding of human behavior and communication that proves invaluable in navigating complex client interactions and negotiations during stressful claim situations.

Ruben maintains an impressive array of certifications and licenses that underscore his diverse skill set and commitment to professional excellence. He holds Licensed Public Adjuster credentials in multiple states, including Kansas, Nevada, Georgia, Oklahoma, Iowa, Louisiana, Colorado, Texas, and Puerto Rico, enabling him to serve clients across diverse geographic regions while maintaining compliance with varying state regulations.

His technical certifications include Xactimate Certified User credentials at Level I, II & III (2016), demonstrating his mastery of the industry-standard estimating software that is essential for accurate damage assessment and repair cost estimation. His IICRC Water Restoration & Applied Structural Drying certification (2017) provides him with essential knowledge for handling water damage claims and restoration processes.

Additional credentials include All-Lines Adjuster certification (2014) with training from Adjuster Training 360, and Commercial Building Engineer & Building Systems certification from BOMI International (2011), providing him with a comprehensive understanding of commercial building operations and systems that enhances his ability to assess complex commercial property damages.

Since 2021, Ruben has served as an advocate for policyholders at Strategic Claim Consultants, where his main responsibilities include appraising and negotiating first-party insurance claims, identifying applicable coverage opportunities, and thoroughly examining damaged properties to ensure comprehensive damage assessment.

His duties encompass estimating damages to buildings, contents, and related additional expenses, determining fair values for settling covered damages, and engaging appropriate experts when specialized knowledge is required. Ruben provides ongoing advice and updates to policyholders while meticulously preparing all claim documentation necessary for successful claim resolution.

Ruben brings a powerful combination of technical and interpersonal skills to every claim he handles. His expertise includes expert Xactimate estimating capabilities for detailed, accurate residential and commercial estimates, complex claim negotiation skills for advocating effectively for policyholders and securing optimal settlements, and specialized knowledge in large loss and catastrophe adjusting for handling high-value and disaster-related claims.

His technical capabilities extend to water restoration and structural drying, with certified knowledge in mitigating water damage and restoring properties to pre-loss condition. His approach emphasizes meticulous damage assessment and analysis through in-depth reporting and identification of all damages, both obvious and hidden.

Ruben excels in client communication and advocacy, demonstrating exceptional ability to advise, update, and support policyholders throughout the often complex and lengthy claims process. His project management capabilities enable him to oversee all facets of claims and restoration projects while maintaining focus on client objectives and optimal outcomes.

Ruben’s career is marked by significant contributions to disaster recovery efforts, particularly his crucial involvement during major hurricanes, where his rapid, round-the-clock estimating work directly aided disaster victims in their recovery efforts. His broad multi-state licensure reflects his commitment to serving policyholders across diverse regions and demonstrates his adaptability and deep understanding of varying state regulations and market conditions.

His combination of technical expertise, professional credentials, educational background, and proven results in high-value claims makes Ruben an invaluable advocate for property owners facing complex insurance challenges, whether they involve routine claims or major catastrophic events requiring sophisticated analysis and strategic claims management.