The Texas Department of Insurance (TDI) has created a series of tips for homeowners in the state looking to make a claim after the recent series of storms in the Gulf. While each storm may lead to significantly different issues, there are several things the state recommends with any claim:
1. Develop an organized and itemized list of the property damaged and visually record the damage if it is possible. This will help speed the claims process.
2. Attempt to make appropriate temporary fixes and repairs so as to keep your property and home from any further harm from the elements. Make only temporary fixes until the insurance company’s claims adjusters can assess the damage. Record all expenses incurred by repairs through receipts and other means.
3. Be on the property or at home when the insurance company visits to assess the damages being claimed. Having a contractor available during the inspection or when you receive the adjuster’s claim is also encouraged.
Following these guidelines will help make sure that you are sufficiently prepared in the event of storm damage. If you have problems with your insurance company, call TDI’s Consumer Help Line toll-free at 1-800-252-3439.
If TDI is not able to help you and you possibly need help making a claim against your insurance company, call the Berniard Law Firm Toll-Free at 504-521-6000 for a consultation on your damage issue and any necessary litigation.