As hurricane season approaches (June 1–November 30), Texas residents must prepare not only for potential storms but also for the aftermath. Severe weather events—including hurricanes, tornadoes, and hailstorms—can be unpredictable and devastating. At Associated Insurance Managers, we want to make sure our clients are equipped with practical guidance to help ensure quick and effective claim processing when disaster strikes.
Here are 10 catastrophe claim tips every policyholder should know:
Before a Claim Happens
1. Know Your Policy
Familiarize yourself with your insurance coverage and exclusions before a disaster occurs. Understanding what is (and isn’t) covered can save you from surprises later. Keep a current inventory of your belongings—small items add up fast.
2. Add an Independent Adjuster to Your Policy
For smoother claims handling, consider requesting that an experienced independent adjuster be written into your policy via endorsement. This can enhance response time and service quality in a catastrophe situation.
After a Claim Occurs
3. Assess and Report the Damage Clearly
Evaluate the damage and be ready to describe the extent and type of loss accurately. Note whether your property is inhabitable, as this will help assign an adjuster with the right expertise.
4. Notify Your Insurance Company Immediately
Prompt notification is a requirement of most insurance policies. Provide full contact information and the location of the damaged property so your adjuster can reach you quickly. Communication is key—stay responsive throughout the process.
5. Minimize Business Interruption
If you’re a business owner, take steps to reduce downtime. Expenses incurred to limit business interruption losses may be covered under your Extra Expense coverage. Review your policy now so you know your options in advance.
6. Take Photos and Make Temporary Repairs
Photograph damage before making any temporary repairs to prevent further destruction. For example, board up windows or patch roof holes. These costs are often reimbursable—but do not begin permanent repairs until your adjuster gives approval.
7. Get Estimates and Avoid Scams
Obtain one or two detailed repair estimates from trusted contractors. Avoid out-of-town or "storm-chasing" vendors. Check reviews or consult the Better Business Bureau. It’s a good idea to identify reputable contractors ahead of time.
8. Don’t Sign Contracts Prematurely
Discuss any repair contracts with your adjuster before signing. If you commit to terms before the adjuster reviews them, your insurance provider may not be obligated to honor those costs.
9. Document Everything
Prepare a detailed inventory of damaged or destroyed property. Keep receipts, invoices, and proof of value (e.g., cancelled checks). Don’t discard anything before your adjuster has a chance to inspect it.
10. Save All Receipts
Whether it’s tarps, cleaning supplies, or lodging—keep receipts for all post-loss expenses. These costs may help reduce your deductible or be reimbursed as part of your claim.
A Word of Caution
Beware of unlicensed public adjusters or individuals posing as professionals. In Texas, unlicensed public adjusters are not authorized to operate and may pose a risk to your financial recovery. Always verify credentials and report any suspicious activity to local authorities.
We're Here to Help
At Associated Insurance Managers, we understand the challenges our Houston community faces during storm season. If you have questions about your policy or need help reviewing your coverage, don’t hesitate to reach out. Preparation now can save you from stress later.
Source:
This blog was adapted from tips contributed by Natalie Dominguez (Amwins Brokerage, Atlanta, GA) and David Bailey (Amwins Brokerage, Dallas, TX). You can read the full article via Amwins.