Texas Hurricane Insurance Claims: What Homeowners Need to Know

1. UNDERSTAND YOUR INSURANCE POLICY:

• Preparation is Key

  Long before hurricane season arrives, thoroughly review your homeowner’s insurance policy. Ensure it includes windstorm coverage, as many standard policies do not.

• Consider Flood Insurance

  If you are in a flood-prone area, consider purchasing flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. It is a separate policy from your standard Texas homeowner’s insurance.

• Consider Windstorm Insurance

  If you are in a coastal area, you may need separate windstorm coverage. Some insurers exclude or limit windstorm coverage in certain coastal counties. Consider obtaining Windstorm Insurance from the Texas Windstorm Insurance Association (TWIA).

2. DOCUMENT YOUR PROPERTY:

• Create a Home Inventory

  Before a hurricane becomes imminent, create a detailed inventory of your belongings and personal property. Use photographs, videos, and a written list. Store this documentation in a safe, easily accessible place or digitally, if possible.

• Receipts and Valuables

  Keep receipts for major purchases, and consider appraisals for valuable items like jewelry and art.

3. EVACUATE SAFELY:

• Follow Authorities

  When local authorities issue evacuation orders, heed their advice promptly. Your safety and the safety of your family are vital.

• Secure Your Property

  Before leaving, take precautions like boarding up windows, securing doors, and turning off utilities if instructed.

4. CONTACT YOUR INSURANCE COMPANY:

• Notify Your Insurer

  As soon as it is safe to return, contact your insurance company, with FGC’s hurricane claims lawyers, to report the hurricane damage. You can usually find the insurance company’s contact information on your policy documents or their website.

• Information to Provide

  Be prepared to provide your policy number, the date and time of the damage, and a description of the damage.

5. DOCUMENT THE DAMAGE:

Visual Evidence

6. AWAIT THE INSURANCE ADJUSTER:

• Insurance Adjuster

  Your insurance company will assign an adjuster to assess the damage. They will contact you to schedule an inspection.

• Cooperate Fully

  Be ready to show the adjuster the damage and provide any documentation they request. It is highly encouraged that you do not speak to the insurance adjuster without first speaking to one of FGC’s insurance attorneys.

7. FILE A FORMAL INSURANCE CLAIM:

Follow Procedures

8. KEEP RECORDS:

• Detailed Records

  Maintain detailed records of all interactions with your insurance company. Note names, dates, and summaries of conversations.

• Communication

  Save all communication, including emails and letters.

9. BE PATIENT AND PERSISTENT:

Understand Delays

Frequently Asked Questions (FAQ)