Houston, Tx
Did your home suffer storm damage? Here’s how to get the most out of your insurance
Cleansing up after storms generally is a irritating course of, nevertheless, there is a free useful resource to assist stroll you thru submitting insurance coverage claims and avoiding scams.
HOUSTON — The Texas Division of Insurance coverage regulates insurers and gives free ideas, assets and help for Texans coping with storm injury. TDI.Texas.gov gives each on-line and over-the-phone help.
For many who have filed a declare with their insurance coverage firm, TDI recommends retaining a document of everybody they’ve talked to.
Additionally, bear in mind to take loads of photos and movies of the injury. Through the cleanup course of, TDI to not throw something away till an adjuster tells you to take action.
TDI additionally says to solely make momentary repairs, like overlaying damaged home windows, till an adjuster sees the injury for themselves. And bear in mind to maintain all receipts.
If the house suffered an excessive amount of injury to be lived in, ask the insurance coverage firm if they supply assist with residing bills as most firms cowl a few of these prices.
TDI additionally recommends asking insurance coverage firms about superior cost if assist is required shortly.
In terms of contractors, get a number of bids.
By no means pay a full or massive down cost upfront. If a contractor provides to waive the deductible, take that as a warning signal. That’s unlawful in Texas and will depart the home-owner caught with the entire invoice.