Home damage can be stressful, especially when you are unsure what to do first. Filing a claim promptly, documenting the loss, and keeping good records can make the process easier. Your policy determines what is covered, so review your coverage before assuming a particular type of damage will be paid.
1. Document the Damage
Before cleaning up, take photos and videos of damaged rooms, belongings, roofs, windows, fences, and other affected areas, provided it is safe to do so. Make an inventory of damaged or destroyed items, including approximate purchase dates and values where possible.
The Texas Department of Insurance recommends documenting damage and keeping receipts for expenses related to temporary repairs.
2. Prevent Further Damage
Take steps to protect the property from additional damage. You might cover a broken window or place a tarp over a roof opening. Keep receipts for materials and temporary work.
Avoid permanent repairs until your insurer has had an opportunity to inspect the damage.
3. Contact Your Insurance Company
Some policies have a time limit for reporting losses, so there may be an unnecessary complication if you wait. Keep policy information, pictures, inventory and information concerning when and how damage occurred.
If you have questions about your coverage, an insurance professional can help you understand your options before and during the claims process.
4. Work With the Adjuster
An insurance adjuster may inspect the property, review documentation, and estimate the cost of covered repairs. Be available during the inspection and point out all areas of concern.
Texas law generally requires insurers to acknowledge a claim within 15 business days and decide whether to accept or deny it within 15 business days after receiving the information needed to make a decision, subject to permitted extensions.
5. Review the Settlement
Read the insurer’s decision and repair estimate carefully. If a claim is denied, the insurer must explain the reason in writing. If the payment does not appear to match the covered damage, ask questions and discuss the estimate with your insurer.
Whether you’re reviewing homeowners’ insurance or looking for home insurance quotes, understanding the claims process is worthwhile. For homeowners seeking home insurance in Houston, McKinney Insurance Agency can be a resource for discussing coverage options and insurance needs.