When Storm Clouds Clear: Your Essential Guide to Filing Insurance Claims for Storm Damage in East Texas

Living in East Texas means experiencing some of nature’s most powerful displays – from severe thunderstorms to damaging hail and high winds. In East Texas, where severe weather is a routine part of the spring and summer months, the number of claims (and the amounts requested in each claim) can be staggering. When disaster strikes your home, knowing how to properly navigate the insurance claims process can make the difference between a smooth recovery and months of frustration.

Take Immediate Action After the Storm

The first 24-48 hours after storm damage are critical for both your safety and your insurance claim. Call your insurance company to report damage as soon as it’s safe to do so. The company has 15 days to acknowledge your claim, but reporting early helps streamline the process.

Your immediate priorities should include:

• Take pictures and video of the damage before making any repairs
• Make temporary repairs to prevent more damage
• Remove standing water
• Cover broken windows and holes to keep rain out
• Keep a list of the repairs and save receipts

Don’t make permanent repairs before the insurance adjuster sees the damage. This is crucial for your claim’s success.

Document Everything Thoroughly

Proper documentation is your strongest ally in the claims process. Create a comprehensive record that includes detailed photos of all damaged areas, videos showing the extent of the damage, and written inventories of damaged items with their approximate values. Be thorough: More documentation is better than less. Keep records: Maintain copies of all your documentation, including photos, videos, lists, and receipts.

When documenting roof damage specifically, take photos from multiple angles if it’s safe to do so. Roof damage from a tree hitting your home during the storm. Water damage from rain entering your home if the roof was damaged in the storm are commonly covered types of damage that need thorough documentation.

Working with Your Insurance Adjuster

Once you’ve filed your claim, an insurance adjuster will be assigned to assess your damage. Make sure your adjuster and company have your current phone number and make sure your address is visible from the street. You may need to post a sign with your address in the yard.

Try to be there when the adjuster visits and point out all damage. This is your opportunity to ensure nothing is overlooked. Keep a record of everyone you talked to with your company. Be ready to answer questions about the damage.

Understanding Your Coverage

Ask about living expenses. Most 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. Keep your receipts for these costs.

It’s important to understand that most standard homeowner insurance policies do not cover damage caused by floods. Consider getting a separate policy from the National Flood Insurance Program to protect your property from flood damage (NFIP).

Choosing the Right Contractor

When it comes to repairs, especially for critical areas like your roof, selecting the right contractor is essential. Choose a contractor. Your insurance might give you a list, but you can use anyone. Get multiple bids from contractors and compare them with the adjuster’s report before settling the claim.

For East Texas homeowners dealing with roof damage, working with experienced local contractors who understand both the regional weather challenges and insurance processes is crucial. Whether you need roof repair livingston or comprehensive roof replacement, ensure your chosen contractor is properly licensed and insured.

Make sure the contractor is licensed and insured. Check their credentials with your state’s licensing board and ask for proof of insurance. This protects you in case of accidents or further damage during repairs.

Important Legal Considerations

Texas law provides specific protections for homeowners during the claims process. A state law makes it illegal for contractors or roofers to offer to waive a deductible or to promise a rebate for your deductible. It also allows insurance companies to request proof, such a receipt or canceled check, that you paid the deductible.

Save proof that you paid the deductible on the claim. This documentation may be required by your insurance company.

When to Seek Professional Help

Unfortunately, not all insurers respond to claims with such speed or generosity. Many insurers have been found to act in “bad faith” when it comes to covering their customers. If you encounter delays, denials, or inadequate settlement offers, don’t hesitate to seek professional assistance.

If you believe your insurance company didn’t pay enough to cover your damages or unfairly denied your claim, you have options. Consider consulting with a public adjuster or attorney who specializes in insurance claims if you’re facing difficulties with your insurer.

Moving Forward

Filing an insurance claim for storm damage doesn’t have to be overwhelming when you’re prepared and know your rights. By acting quickly, documenting thoroughly, and working with qualified professionals, East Texas homeowners can successfully navigate the claims process and restore their homes to pre-storm condition.

Remember, Texas homeowners have up to one year to file hail damage insurance claims, but immediate documentation improves claim success rates. Don’t delay in protecting your most valuable investment – your home.