Do’s and Don’ts for Filing Homeowners and Auto Claims After a Storm

Storm Damage

It’s officially storm season in Texas, which means many claims are being filed this time of year.

Has your home or car recently been damaged by a storm? Below is a list of do’s and don’ts to keep in mind when preparing to and filing insurance claims.

 Do call us first before filing a claim with the carrier. We can answer basic questions and prevent you from making some common claims mistakes.

 Don’t work with a contractor who cannot prove they are both bonded and insured.

 Do verify that the mortgage company listed on your insurance declarations page is accurate. Issued checks for claims will be voided if this is inaccurate, causing delays in receiving payment for repairs.

 Don’t feel pressured to sign any forms committing to use a particular person or company that assesses your roof. There are many high pressure roofers that tend to chase the storms.

 Do research online to confirm the company you work with is reputable.

 Do take photographs or video footage of any damage. 1

 Do make a list of all items destroyed or damaged.

 Don’t remove any damaged items from your property before an adjuster has reviewed the damage. 1

 Do make repairs necessary to prevent further damage to your property (cover broken windows or leaking roofs) if it is safe to do so. Keep all receipts of the items you purchased to make the repairs. 2

 Don’t make any permanent repairs to your home without consulting your adjuster, because unauthorized repairs may not be reimbursed. 1

 Do keep a record of all conversations you have with insurance companies, creditors, or adjusters.

Unsure what kind of claims coverage you have?

With storm season officially here, and hurricane season just around the corner, it’s important for homeowners to find out what is and isn’t covered on their homeowner or auto policy. If you have any questions about your policies, or need assistance filing a claim, please call us at (972) 673 – 0045.

1 After a storm: A checklist for insurance claims.
2 Tips on filing a storm-related insurance claims.

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