How to File an Insurance Claim for Storm Damage in Texas

Texas is no stranger to severe weather, from hurricanes and tornadoes to destructive hailstorms. Understanding the claims process can help you recover faster, build back stronger, and get back to normal life. If your home has suffered storm damage, a storm damage lawyer can provide essential guidance, helping you navigate the complex process and fight for the full compensation you deserve.

Step 1: Ensure Safety First and Contact Your Insurance Company

Before documenting damage or making any repairs, prioritize your family's safety. If your home is structurally compromised, evacuate immediately and find temporary shelter. Once you're safe, contact your insurance company to report the damage as soon as possible.

In Texas, insurance companies have 15 days to acknowledge your claim after you report it. Don't wait because delays in reporting can complicate your claim or even lead to a denial. When you call, have your policy number, contact information, and a basic description of the damage ready.

During this initial call, ask about:

• When an adjuster will visit your property
• Your policy's coverage limits and deductibles
• Emergency services that your insurer may provide
• Additional living expense coverage if your home is uninhabitable

After you submit any requested documentation, the company has 15 days to accept or reject your claim, and once approved, they must send payment within 5 business days.

Step 2: Document Every Detail of the Damage

Thorough documentation is crucial for a successful claim. As soon as it's safe to do so, begin photographing and recording video of all damage. Take pictures from multiple angles, capturing both wide shots of affected areas and close-up details of specific damage.

Create a comprehensive inventory of damaged items, including:

• Furniture, electronics, and personal belongings
• Structural damage to walls, ceilings, and floors
• Roof damage, broken windows, and compromised doors
• Damaged landscaping and outdoor structures

For each damaged item, note the purchase date, original cost, and current condition. Collect receipts whenever possible, as these documents will support your claim and help ensure fair compensation.

Step 3: Understand Texas-Specific Coverage Requirements

Texas law requires specific protections that may benefit your claim. Standard homeowners' policies typically cover wind and hail damage, but it's necessary to understand your specific coverage.

If you live in certain coastal areas, you may need coverage through the Texas Windstorm Insurance Association (TWIA). For flood damage, you'll likely need a separate National Flood Insurance Program (NFIP) policy, as standard homeowners insurance doesn't cover flooding.

Review your policy carefully to understand:

• Coverage limits for different types of damage
• Your deductible amounts
• Exclusions that might apply
• Additional living expense benefits

Step 4: Make Temporary Repairs to Prevent Further Damage

You have a responsibility to prevent additional damage to your property, but be strategic about what repairs you make. Make temporary repairs to prevent further damage, such as covering broken windows, removing standing water, and tarping roof damage, and avoid spending time and money on permanent repairs before the insurance adjuster assesses the damage.

Essential temporary repairs include:

• Covering broken windows with plywood or plastic
• Tarping damaged roof sections
• Removing standing water to prevent mold growth
• Securing your property to prevent theft

Keep detailed receipts for all materials and labor used in temporary repairs. These costs are typically reimbursable under your policy. Take photos before and after making temporary repairs to show both the original damage and your mitigation efforts.

Step 5: Work Effectively with the Insurance Adjuster

Try to be there when the adjuster visits and point out all the damage. The adjuster's assessment significantly impacts your settlement amount, so preparation is key.

Before the adjuster arrives:

• Ensure your address is clearly visible from the street
• Compile all documentation and receipts
• Create a list of all damaged areas and items
• Consider getting independent contractor estimates

During the inspection, accompany the adjuster and point out every area of damage. Don't assume they'll find everything, as some damage may not be immediately visible. Ask questions about their assessment and timeline for processing your claim.

Get multiple bids from contractors and compare them with the adjuster's report before settling the claim. If there are significant discrepancies, don't hesitate to discuss them with your insurance company.

Step 6: Keep Detailed Records Throughout the Process

An organization can make or break your insurance claim. Maintain a detailed journal documenting every interaction with your insurance company, including:

• Names and titles of everyone you speak with
• Dates and times of all conversations
• Reference numbers for your claim
• Summaries of what was discussed
• Follow-up actions promised by the insurance company

Keep a record of everyone you've spoken with at your insurance company. This documentation becomes invaluable if disputes arise later in the process.

Step 7: Understand Your Rights Under Texas Law

Texas law gives you two years from the date of storm damage to file an insurance claim. However, prompt reporting is always advisable. If your claim is denied or delayed unreasonably, you have legal recourse.

A company that takes "too long" to pay, according to the Texas Department of Insurance, is liable for your reasonable attorney fees plus damages equal to 18 percent of your claim if you sue and win.

Texas insurance law protects policyholders from bad faith practices, including:

• Unreasonable claim delays
• Lowball settlement offers
• Denial of legitimate claims
• Failure to properly investigate claims

Step 8: Know When to Seek Legal Help

While many storm damage claims are resolved smoothly, some situations warrant professional legal assistance. Consider consulting with our exceptional attorneys if:

• Your claim is denied without a valid reason
• The insurance company offers a settlement far below repair costs
• The adjuster's assessment seems unreasonably low
• Your insurance company stops communicating or delays processing
• You discover coverage disputes or policy interpretation issues

A state law makes it illegal for contractors or roofers to offer to waive a deductible or to promise a rebate for your deductible. Be wary of contractors making such offers, as this could complicate your claim.

Additional Resources and Support

If you need temporary shelter, food, or water after a storm, contact the Red Cross at 800-733-2767. For questions about your insurance company or to file a complaint, contact the Texas Department of Insurance at 1-800-252-3439.

Federal disaster assistance may be available through FEMA if the President declares your area a major disaster. The Small Business Administration also offers low-interest disaster loans for homeowners and renters.

Omar Ochoa Law Firm: Fighting for Fair Storm Damage Payout in TX

Filing an insurance claim for storm damage doesn't have to be an impossible process. By acting quickly, documenting thoroughly, and understanding your rights under Texas law, you can navigate the claims process successfully.

If your Texas home has suffered storm damage and you're facing challenges with your insurance company's response, the Omar Ochoa Law Firm is here to help. Reach out to us to understand the complexities of Texas insurance law and receive the compensation you deserve.