TOP 5 CONSUMER TIPS FOR INSURANCE CLAIMS
As Texans begin repairs on broken pipes and other damage from hard-hitting winter storms , these consumer tips can help you with the insurance claims process .
REPORT YOUR CLAIM IMMEDIATELY
Some policies may have quick reporting deadlines for storm damage . As soon as you discover damage , it is important to contact your insurance company and report the claim . Document every communication you have with
READ YOUR POLICY
Make sure you locate your insurance policy and take the time to read it and any endorsements , which are amendments that change the policy language . If you don ' t have your policy handy , ask your agent to send you a complete copy and any endorsements . them .
DOCUMENT ALL DAMAGE
Survey your property , if it is safe to do so , and take photos of the damage and surrounding areas . If a plumber removes a portion of your burst pipe , save that part or any other damaged pieces so the insurance company can see it .
SAVE RECEIPTS
If you have to purchase supplies to make any temporary repairs , or if you have to stay in a hotel because you are displaced from your home , save your receipts in case your policy covers these expenses .
BE THERE FOR THE INSPECTION
When the insurance adjuster arrives to look at your property , make sure you are present so you can point out all damage .
For over 20 years , Texas Watch has advocated for the rights of policyholders . You can find more helpful consumer resources at texaswatch . org / stormhelp . Texans are tough , and we will pull through this time together .