March 26, 2024

Over the years, KPRC 2 has provided information on how to file a claim related to hurricane and freeze damage. The winter thunderstorm and tornado that hit the Houston area this weekend once again have people cleaning up and making calls to insurance companies.

We looked at the Texas Department of Insurance (TDI) site to gather the most up to date information about what residents should do after a storm as well as the most frequently asked questions about disaster claims.

Here are steps you should take if you will be filing an insurance claim according to TDI:

  1. Call your insurance company or agent as soon as possible, make sure they have your current phone number, and keep a record of everyone you talk to (Ask about advance payment if you need help quickly or living expenses if you can’t stay in your home.)

  2. Take pictures and video of damage, don’t throw anything away until insurance adjuster says it’s okay

  3. Temporary repairs to prevent additional damage should be made – but don’t make permanent repairs until an adjuster sees the damage

  4. Make sure your address is visible from the street, this may mean putting a sign with your address in the yard

  5. If possible, try to be present when the adjuster visits so you can point out all damage

  6. Get multiple contractor bids and compare them with adjuster’s report before settling the claim (TDI offers information about the signs of a contracting scam so you can avoid them)
  7. Keep a list of repairs and save all receipts

One more note directly…

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