After a hurricane, it is hard to know where to start. Taking the right steps in the first days after a storm can make your insurance claims go more smoothly and help you avoid costly mistakes. Here is what Texas coastal homeowners should do after hurricane damage.
1. Put safety first
Do not return home until officials say it is safe. Watch for downed power lines, gas leaks, standing water, and structural damage. If you smell gas or suspect electrical damage, leave and call the utility company. Wear sturdy shoes and gloves when you inspect your property.
2. Document everything before you clean up
Take photos and video of every damaged area, including the roof, siding, windows, fences, and each room inside. Capture water lines on walls if there was flooding. Make a list of damaged belongings. This documentation is the foundation of your claims.
3. Prevent further damage
Most policies expect you to take reasonable steps to protect your property from more damage, such as tarping a roof, boarding broken windows, and removing standing water. Keep receipts for supplies and emergency repairs, since these costs are often part of your claim. Avoid permanent repairs until your adjuster has seen the damage.
4. File the right claims with the right companies
On the Texas coast, hurricane damage can involve up to three policies:
- Windstorm claim: for wind and hail damage, such as a damaged roof or broken windows. File with your windstorm insurer, which may be TWIA or a private carrier.
- Flood claim: for rising water and storm surge. File with your flood insurer.
- Homeowners claim: for other covered losses under your homeowners policy.
If you are not sure which policy applies, report to each insurer and let the adjusters sort it out. Report claims promptly. TWIA generally requires claims to be reported within one year of the date of loss, and other insurers have their own deadlines, so check your policy and don't wait.
5. Watch out for contractor scams
Storm chasers often show up right after a hurricane. Be cautious of anyone who asks for large payments up front, pressures you to sign immediately, or offers to waive your deductible. Get written estimates, check references, and read the Texas Department of Insurance tips on avoiding contractor scams.
6. Make sure repairs get a windstorm inspection
If you are in the Texas coastal area, roof replacements and major repairs generally need a windstorm inspection and certificate of compliance. Skipping it can make your home ineligible for TWIA coverage later. Ask your contractor how they will handle the inspection before work starts. Our WPI-8 certificate guide explains the process.
7. Review your coverage after the claim
A storm is a good time to find out whether your coverage was enough. If your limits, deductibles, or flood coverage fell short, we can help you compare options before the next storm. Learn more about Texas windstorm insurance or request a windstorm quote.