Eric John Ramirez – Houston Public Insurance Adjuster, Appraiser & Expert Witness
Construction Background, Family Legacy & Insurance Expertise
Eric John Ramirez is a Houston-based Public Insurance Adjuster, Insurance Appraiser, Umpire, and Expert Witness with over a decade of experience helping policyholders recover full and fair compensation on complex property insurance claims across Texas.
With a background rooted in construction, building inspection, and real estate development, Eric Ramirez brings a unique advantage to fire claims, apartment losses, and large commercial insurance disputes in Houston and statewide Texas.
Family Roots – From Colombia to Texas
The foundation of Eric Ramirez’s career begins with his family legacy, inspired by “Las Acacias” (The Great Tree)—a symbol of strength and growth rooted in Colombia.
His father, Dr. Hugo Ramirez, grew up in Colombia and later pursued medicine at top universities before relocating to the United States. His mother, Doris Stella Ramirez, developed strong knowledge in construction through family influence in Los Angeles.
Together, they brought their vision to Texas, where they became leaders in real estate development and construction in Pasadena, Texas.
Building Houston Communities
Throughout the 1980s and 1990s, the Ramirez family played a major role in developing:
- Pasadena River Oaks
- Santorini Estates I, II, III
- Colombian Village (first gated community in Pasadena, TX)
They worked closely with:
- City of Pasadena Public Works
- Planning & Development Departments
- Building Permit Authorities
This environment exposed Eric Ramirez to construction, development, and building systems at an early age.
Early Construction Experience
Eric Ramirez grew up in the construction field—literally.
As a child, he recalls:
- Riding bulldozers during subdivision development at the age of 8 year old
- Working alongside builders and engineers
- Learning real-world construction before formal education
This hands-on experience became the foundation of his career.
Professional Construction & Inspection Credentials
Eric Ramirez pursued formal education and certifications to build on his early experience:
- Certified Master Builder (NAHB) – 2008
- Residential Building Inspector (ICC) – 2013
- Active in International Code Council (ICC) programs
- Ongoing education in construction standards and building codes
This combination of field experience + formal training allows him to properly evaluate:
- Structural damage
- Code compliance
- Repair vs. replacement scope
- Fire and large-loss property damage
Transition Into Insurance – Hurricane Ike
A major turning point came during Hurricane Ike in 2008, when Eric Ramirez was introduced to the insurance industry.
This experience allowed him to combine:
- Construction knowledge
- Damage assessment skills
- Problem-solving in large-loss situations
From that moment, he expanded into insurance claims and loss evaluation.
Insurance Adjusting & Ethical Foundation
In 2011, Eric Ramirez became a Texas All-Lines Insurance Adjuster to better understand how claims are evaluated from the insurer’s perspective.
However, he quickly recognized issues within the system:
- Fee structures that did not favor policyholders
- Inconsistent claim handling practices
- Situations where homeowners were undervalued
- Being controlled how to write his estimate or your gone.
This led to a defining decision.
Public Insurance Adjuster – Serving Policyholders First
In 2012, Eric Ramirez became a Public Insurance Adjuster in Texas, choosing to represent policyholders instead of insurance companies.
Since then, he has focused on:
- Managed (4) Public Insurance Adjuster
- Supervised over 800 claims / appraisals
- Fire claims (residential, apartment, commercial)
- Storm and catastrophic losses
- Insurance appraisal disputes
- Large-loss property claims
His mission:
Ensure policyholders receive every dollar owed under their insurance policy.
Appraisal, Umpire & Expert Witness Experience
Eric Ramirez has expanded his expertise into:
📊 Insurance Appraisal & Arbitration Services – Houston, Texas
Eric John Ramirez provides professional insurance appraisal and arbitration services in Houston and throughout Texas, specializing in resolving disputed property damage claims efficiently and fairly.
- Completed 500+ insurance appraisals and arbitrations
- Participated in 300+ umpire meetings, including matters involving court-appointed judges
- Experience with Texas Department of Insurance (TDI) umpire list, court-appointed umpires, and the American Arbitration Association (AAA)
- Proven track record in dispute resolution for underpaid or contested insurance claims
With extensive experience in the appraisal process, Eric Ramirez works to ensure that all damages are properly evaluated and that claims are resolved based on accurate scope, fair market value, and supporting documentation.
Umpire Services
Eric John Ramirez serves as a neutral insurance umpire in Houston and throughout Texas, assisting in the resolution of disputes between opposing appraisers during the insurance appraisal process.
- Court-involved and independent third-party decision-maker
- Resolves disagreements between appraisers on scope and value of loss
- Experienced in complex residential, commercial, and apartment claims
- Appointed by courts to serve as an umpire in disputed insurance matters
As an umpire, Eric Ramirez provides impartial, evidence-based decisions to ensure a fair and binding resolution in accordance with the terms of the insurance policy.
Expert Witness
- Works with attorneys across Texas
- Provides forensic estimates and testimony
- Handles depositions and trial appearances
Specialized in Fire & Apartment Claims
With his construction and insurance background, Eric Ramirez is highly specialized in:
- Apartment fire claims in Houston
- Commercial fire losses
- Smoke and structural damage
- Business interruption and loss of rents
These are some of the most complex and most underpaid claims in the industry.
Serving Houston & Statewide Texas
Eric Ramirez provides services throughout:
- Houston
- Galveston
- Dallas
- Fort Worth
- Laredo
- Corpus Christi
- Statewide Texas
Contact Eric Ramirez
If you are dealing with a fire claim, insurance dispute, or large property loss in Houston, contact Eric Ramirez today.
Call Now: (281) 780-6532