How to Navigate the Houston Insurance Claims Process

The Aftermath: Key Steps to Ensure a Smooth Insurance Claim Process

First I pray everyone is safe. 

In the wake of the storm, it’s imperative to navigate the claims process carefully to ensure you get the support you need. Here are the essential steps to follow:

1. Document the Damage:

Be sure to capture detailed images and videos of the damage from various angles and distances. Include close-up shots to show the extent of the destruction, as well as wide shots to provide context. Documenting the damage thoroughly will not only strengthen your insurance claim but also serve as valuable evidence in case of any disputes. Remember, visual evidence is key in proving the extent of the damage and securing the compensation you are entitled to.

2. Mitigate Further Damage:

Hire a professional to make temporary repairs to prevent further damage. This step is incredibly important when protecting your property and ensuring that the damage does not worsen. By addressing any immediate issues, such as covering a leaking roof or boarding up broken windows, you can prevent additional harm and potentially save yourself from more costly repairs in the future. Additionally, taking prompt action to mitigate further damage shows your proactive approach to protecting your property, which can strengthen your insurance claim. So, don't hesitate to seek professional help in making temporary repairs after a storm to safeguard your home and belongings.

3. Get a Repair Estimate:

Once you have documented the damage and mitigated any further issues, your next step is to obtain a detailed estimate of the repair costs from a reputable contractor. This estimate will not only provide you with a clear understanding of the financial implications of the damage but will also serve as an essential piece of documentation for your insurance claim. A detailed repair estimate will outline the scope of work needed to restore your property and establish a baseline for negotiations with your insurance provider. Be sure to choose a contractor with a solid reputation and experience in handling similar repair projects to ensure accuracy and reliability in the estimate. By obtaining a comprehensive repair estimate, you can effectively assess the extent of the damage and take the necessary steps to secure the support you need during the insurance claim process.

4. Check Your Deductible:

Check with your insurance policy to determine the specific wind and hail deductible that applies to your coverage. This can ensure that the estimated damage surpasses this deductible amount before proceeding with filing a claim. By confirming this threshold, you can make an informed decision on whether it is financially beneficial to pursue an insurance claim for the incurred damages. This step will help you avoid unnecessary claims that may not meet the deductible requirements, ultimately saving you time and effort in the claims process.

5. Schedule an Inspection:

Arrange for an insurance adjuster to inspect the damage. It's important to have the contractor who provided the repair estimate present during the inspection. Their presence is essential as they can point out all the specific areas of damage that were outlined in the estimate. This collaboration between the insurance adjuster and the contractor ensures that the full extent of the damage is accurately documented and accounted for in the insurance claim. By having the contractor on-site during the inspection, you can address any discrepancies or questions that may arise, ultimately streamlining the claims process and increasing the likelihood of a successful outcome. This coordinated approach not only enhances the efficiency of the inspection but also strengthens your case by presenting a unified front to the insurance provider.

6. Use a Public Adjuster if Denied:

If your claim is denied, hiring a public adjuster can be a game-changer in navigating the insurance claim process. Public adjusters are experts in insurance policies and claims, working on your behalf to review, assess, and negotiate your claim with the insurance company. Their primary goal is to ensure that you receive a fair and just settlement for the damages you have incurred. By leveraging their knowledge and expertise, public adjusters can help you navigate the complexities of the claims process, advocate for your rights, and maximize the compensation you are entitled to. So, if your claim is denied, don't hesitate to enlist the services of a public adjuster to fight for the support you need and deserve.

7. Seek Legal Advice if Needed:

If your claim is denied again, seek legal advice. A lawyer can help you understand your rights and take further action if necessary.

Additionally, assess the level of damage to your property. If it’s not critical—like a missing shingle or a damaged fence—consider that supplies should be used by those with the most severe damage first. If you have slight damage, you might be able to hold off on repairs until the situation is less dire. Doing so could save you thousands on getting repairs during emergency demand pricing.

Missing any step in this process can make things much more complicated. Follow these steps to ensure you get the support you need and deserve.

Stay safe and take care,