Has your insurance company denied
your home damage claim?


Legit Damage Consultants work for YOU the homeowner,

not the insurance company.


We provide expert guidance, at NO COST to you, to help you understand your rights, explore your options, and implement proven strategies for you to receive fair reimbursement / compensation for all your home damages.




About Us

We are Legit Damage Consultants

Our journey began in 2015 as a division of Morval Construction a local contractor with a BBB A+ Rating.


El Paso’s unpredictable weather and yearly wind and hail storms highlighted to us the dire need for reliable and experienced experts to help homeowners recover and rebuild their property. So, as home renovation contractors, we carefully curated a team of damage consultants, engineers, appraisers and public adjusters; as well as mediators and attorneys to expedite projects through estimation, planning, permitting and construction quickly and efficiently.

Our Process

Denied home damage insurance claim is confirmed with a denial letter.


Damage Assessment is performed to determine if there is a legitimate insurance claim case.


Restoration Proposal Acceptance by property owner to demonstrate proof of financial impact.

(Via a NO interest – NO payment 18 months introductory period. After the introductory period, it converts into a 10 year, 9.99% APR loan.)


Assistance for homeowner is coordinated with our third-party specialized representatives.

(Legal Mediators, Attorneys, Engineers, Appraisers, Public Adjusters and other professional experts.)



Documented evidence; including photos, videos, expert opinions and reports, are provided to the third-party representatives.



All project repairs and replacements are coordinated with the third-party representatives before any work is performed.



Settlement Acceptance by property owner.

Note: Resolution process can take from a few months to 1 to 2 years or more.

Reimbursement Restoration Program 

 Our program exceptionally helps to increase the success rate for property owners to recover the
costs associated with restoring the property to its pre-damaged condition while protecting the
property from further damage and preventing additional construction inflation expenses.



  • No open approved-prior claims
  • No completed repairs (temporary repairs are acceptable)
  • Insurance claim denial
  • Credit score 650 (or a co-signer for financing)
  • Proof of financial impact


Based on our past experience assisting property owners, there is an 80% probability of achieving successful results.


Warranty Disclaimer:
While we always make our best efforts to assist the client to achieve desired results; all cases are different and unique. And therefore, we cannot guarantee a 100% successful case outcome. The outcome may be influenced by various factors beyond our control as a company.

We've helped El Paso homeowners since 2015

Finding trustworthy, reliable and experienced home restoration experts in the aftermath of a disaster can be an overwhelming challenge. Determining the accurate replacement cost for home damages is an even more complex task. That’s where our team of damage consultants and restoration experts steps in. We’re here to assist you every step of the way, from assessing the valuation and reviewing your insurance policy to creating a solid plan of action complete with itemized estimates, construction management, and many other resources to expedite your recovery and rebuilding process with minimal hassle. Above all, our primary objective is to ensure homeowners can have their damages repaired without any out-of-pocket expenses. This is why we do not pass any of our fees to the homeowner.  



To become the recognized leaders in the damage consulting industry. We aspire to set new standards of excellence and reliability by providing innovative and customized solutions for each client. We seek to be the preferred option for clients seeking to protect your rights and assist you to obtain fair reimbursement/compensation from insurers after suffering property damages.



Offer comprehensive support to our clients, providing them with the necessary support during times of adversity. We are committed to advocating for your rights and working tirelessly to optimize your property damage insurance claim. Through our collaborative and dedicated approach, we strive to help you obtain fair reimbursement/compensation from insurers, so that you can recover and rebuild back to your normal life.



  • Commitment
  • Integrity
  • Empathy
  • Innovation
  • Collaboration

What do our clients think about the Legit Damage Consultants services?


"We are NOT public adjusters..."

Damage Consulting for

Homes and commercial properties

As a division of Morval Construction, we approach our estimates from the perspective of seasoned Renovation Contractors. This distinction sets us apart from adjusters who may impose restrictions that artificially limit the rebuilding costs.

We are not public adjusters and do not handle personal property or Loss of Use claims. However, working as a team with a bonded and licensed Renovation and Construction company enables us to collaborate directly with insurance adjusters.

This allows us to establish the precise scope of work and the genuine costs needed to rebuild your property.

Our management team boasts unique qualifications for determining the critical path to your recovery and the actual expenses involved. We prioritize honesty, fairness, and accuracy; qualities that insurance adjusters greatly appreciate. Our estimates are focused solely on the costs required to restore what was lost and bring your property back to its original condition.

Our Services

Property Damage Assessment

Our damage and renovation experts perform a thorough assessment of your property damages; as well as, a review of all your insurance policies, documents, estimates, and correspondence to ensure you have a clear understanding of your coverage. This assessment will account for all required site work, engineering, plans, permits; and as needed, the complete replacement of the roof, walls, fences, driveways, sheds, trees, shrubs, and irrigation systems. As well as any known code upgrades that impact your rebuilding process. We also provide you with a complete and easy-to-understand explanation of the entire valuation, reconstruction, and recovery process.

Xactimate Estimates

Our estimates to the insurance companies are always performed with Xactimate, the industry-standard software and estimating system used by insurance companies to establish the costs of rebuilding. It encompasses a vast database of over 12,000 line-item codes that assist adjusters in creating precise estimates. However, the challenge lies in the fact that most adjusters typically utilize only a fraction of these codes or lack the time to painstakingly craft a comprehensive scope for an accurate Xactimate estimate. This often leads to an underestimate of the true cost to rebuild your home. In Addition, we provide the insights of a licensed contractor who presents Xactimates in the same language and format as the insurance adjuster's, facilitating easy comparison between their estimates and ours.

Expert Witness Consultant

Improved Chances of Success: Having us on your side as an expert witness; as well as our carefully curated team of appraisers, public adjusters, engineers, legal mediators and attorneys, can significantly increase your chances of a successful outcome in your insurance claim case. Our knowledge, credibility, and ability to provide persuasive testimony can be crucial in winning your case or achieving a favorable settlement for your restorations needs. We also provide valuation services, assistance documents, contract, and/or estimate review, site inspections, professional opinions, deposition and trial testimony. As expert witnesses, we excel at translating complex damage and renovation issues into understandable layman's terms. This capability enables lawyers to concentrate on the case at hand without the need to grasp an industry in which they may have limited experience. Ultimately, this expedites a successful outcome for the property owner.

Why Choose Us

Our Damage Assessment:
We can assess and quantify the extent of the damage in order to help determine the appropriate cost/compensation for repairs.


We Reinforce Your Position:
As long as we can find legitimate storm/accidental related damage, we can support your position and arguments by providing evidence-based photos, videos, opinions and reports that reinforce your statement. This can be especially valuable in cases where the insurance company disputes coverage or denies a claim.


Compliance with Industry Standards:
We can evaluate whether the insurance company followed industry standards and best practices when handling the claim. 
If the insurance company failed to do so, this can be crucial in proving bad faith or improper claims handling.


Educating the Court or Jury:
We can serve as educators, helping the judge or jury understand technical or industry-specific information that is critical to the case. This can prevent misunderstandings and lead to more informed decisions.


Settlement Negotiations:
Our expert opinions can be valuable in settlement negotiations. When the insurance company sees that you have a credible expert witness who can testify effectively, they may be more willing to negotiate a fair settlement rather than risk an unfavorable court decision.

At Legit Damage Consultants, we understand the importance of effective damage consulting for homes and commercial properties. We are committed to providing you with the support you need to overcome challenges and ensure that you get the fair reimbursement/compensation you deserve in times of hardship. Trust us to guide your claim and restoration process successfully.

Contact Us

Connect with us, we are here to help you!

We are here to listen to you and give you the support you need. Whether you have questions, need advice, or want to start optimizing your insurance claim, we’re here to guide you every step of the way. Your satisfaction and fair reimbursement/compensation are our top priority.