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The Claims Process

Aug 28, 2017

Contact Your Insurance Company
— Call your insurance agent or company as soon as possible to report property damage.
— Keep a record of everyone you talked to with your company.

Make a List of Property Damage
— Take pictures and videos of the damage if possible.
— Don’t throw away damaged items until your insurance adjuster has seen them.

Remove Standing Water and Dry the Area as Soon as Possible
— Move water-soaked items to a dry, well-ventilated area.
— If you must move items outdoors, put them in a secure area to protect them from theft.

Make Repairs to Prevent Further Damage
— Cover broken windows, roof damage, and any holes with tarps or plywood to keep rain out.
— Don’t make permanent repairs until instructed by your insurance company.
— Keep a record of how much you spend on repairs and save all receipts.

File Your Claim
— If you make the claim over the phone, immediately follow it with a written claim to protect your rights under the Texas’ prompt-pay law.
— If you have a separate wind and hail policy with the Texas Windstorm Insurance Association, report claims at 1-800-788-8247.
— If you have a flood policy with the National Flood Insurance Program, report any flood damage to your insurance agent or adjuster.
— Contact your auto insurance company if your car was damaged by a storm and you have comprehensive coverage.

Ask About Living Expenses
— Most insurance policies will cover some of the costs you have if you are unable to live in your home because of damage that is covered by your insurance.
— Check with your insurance company about coverage for living expenses, and keep your receipts for these costs.
— If you need shelter or emergency food or water, contact the Red Cross at 1-800-733-2767.
— If you’re not insured and need financial help, call FEMA at 1-800-621-3362 to see what help is available.

Resolving Your Claim
— Your insurance company must acknowledge your claim within 15 days of receiving it.
— The company may ask you for more information to investigate your claim. The company must then accept or reject your claim within 15 business days of getting all the information it needs from you.
— If the company rejects your claim, it must tell you why in writing.
— The deadline may be longer after large disasters.
— If you disagree with the adjuster’s final estimate, tell the company why. The company may have overlooked something and may make adjustments.

Advisory

As an insurance provider, we know the impact adverse conditions and weather events can have. Being prepared and informed helps you protect what matters most.

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