What Should You Do Immediately After Property Damage in Texas?

Quick Answer: If your Texas home or business is damaged by hail, wind, fire, or another covered event, prioritize safety, document the damage, take reasonable steps to help prevent additional damage, notify your insurance company, and keep organized records throughout the claims process. Every insurance policy is different, so reviewing your coverage and understanding your options is important.

If you're wondering what to do after property damage in Texas, the first priority is protecting your safety, documenting the damage, and beginning the insurance claims process as soon as practical. Whether your home or business has been damaged by hail, wind, fire, or another covered event, the hours and days after the damage occurs can feel overwhelming.

While every insurance claim is different, taking a few practical steps early may help you stay organized and better navigate the claims process.

1. Report the Property Damage to Your Insurance Company

Many insurance policies contain requirements regarding when and how claims should be reported. Contacting your insurance company promptly can help begin the claims process.

Be sure to keep your claim number and copies of any correspondence you receive.

2. Document the Damage

If it is safe to do so, take photographs and videos of all visible damage before beginning cleanup or repairs.

Consider documenting:

• Roof damage

• Windows and siding

• Interior water damage

• Fences and outbuildings

• Personal property

Good documentation may be helpful throughout the claims process.

3. Help Prevent Additional Damage

If temporary repairs are needed to help prevent additional damage, document the condition of the property before making repairs whenever possible.

Keep receipts for emergency expenses such as tarps, temporary roof repairs, or water mitigation services.

4. Keep Everything Organized

Create one folder, digital or paper, for your claim.

Consider keeping:

• Claim numbers

• Emails and letters

• Inspection reports

• Repair estimates

• Photographs

• Receipts

• Notes from phone conversations

Organized records can make it easier to follow the progress of your claim.

5. Request a Copy of Your Policy

If you don't already have a copy of your insurance policy, consider requesting one from your insurance company or agent.

Reviewing your policy may help you better understand your coverage, deductibles, and any applicable deadlines.

6. Keep Track of Communication

Whenever you speak with your insurance company, consider writing down:

• The date

• The representative's name

• A summary of the conversation

• Any next steps discussed

Maintaining a communication log can be helpful if questions arise later.

7. Obtain Repair Estimates

Depending on your situation, you may wish to obtain one or more repair estimates from qualified contractors.

Because every claim is different, property owners should carefully review any repair agreements before signing.

8. Review Claim Documents Carefully

Take time to review letters, estimates, and other claim documents you receive.

If you have questions about your claim or the information provided by your insurance company, consider asking for clarification before making important decisions.

9. Stay Involved Throughout the Process

Insurance claims can take time.

Keeping track of deadlines, responding to requests for information, and maintaining organized records may help keep the process moving forward.

10. Understand Your Options after property damage in Texas

Every insurance claim is unique. While many claims are resolved without significant issues, some property owners may have questions about delays, coverage decisions, or the amount offered for covered damage.

If you have concerns about your claim, learning more about your options may help you make informed decisions about your next steps.

Frequently Asked Questions

What should I do first after storm damage?

Your first priority should be safety. Once it is safe to do so, document the damage, take reasonable steps to help prevent additional damage, and notify your insurance company.

Should I take pictures before making repairs?

If it is safe, documenting the damage before making temporary repairs may help preserve a record of the property's condition.

Should I keep receipts for emergency repairs?

Many property owners choose to keep receipts and related documentation for temporary repairs and other expenses associated with protecting their property.

What documents should I keep during an insurance claim?

Consider keeping photographs, inspection reports, repair estimates, receipts, correspondence with your insurance company, and notes from phone conversations related to your claim.

When should I contact an attorney about a property insurance claim?

Every situation is different. If you have questions about a denied, delayed, or underpaid property insurance claim, you may wish to seek legal advice to better understand your options.

We're Here to Help

Navigating a property insurance claim can be stressful, especially after your home or business has been damaged.

Furlow Law Firm represents Texas property owners in insurance claim matters. If you have questions about a denied, delayed, or underpaid property insurance claim, our team is available to discuss your situation and help you better understand your legal options.