AUSTIN, TX – March 31, 2009 – (RealEstateRama) — Consumers who suffered damage to their homes or vehicles in the recent severe weather across Central Texas should contact their insurance company or agent to file a claim as soon as possible. Initiating this process is the first step toward getting money to begin making repairs.
Other tips for dealing with storm-related insurance claims include:
Document damaged property. Photograph or videotape the damage if possible. Don’t throw away damaged items until an insurance adjuster has seen them.
Make reasonable and necessary repairs to protect your property from further damage. Cover broken windows and holes to keep rain out. Do not make any permanent repairs before a claims adjuster inspects the damage. Keep a record of your temporary repair expenses and save all receipts.
Try to be present when the adjuster inspects your damage. You may also have a contractor present at the inspection or have the contractor review the adjuster’s report before settling the claim. Don’t accept an unfair settlement.
If you hire a public insurance adjuster, make sure they are licensed by TDI. Public insurance adjusters work independently and charge a fee for their services. If you hire a public adjuster, keep in mind that you may end up with less money to repair or replace your damaged property. Public insurance adjusters must disclose their fees in the written contract with you. Make sure the public adjuster is licensed by TDI by calling TDI’s Consumer Help Line at 1-800-252-3439 or using the “Agent Search” feature on the TDI website atwww.tdi.state.tx.us.
Find a reputable contractor to make repairs. A disaster can lure crooked building contractors who try to exploit the emergency conditions and swindle you and your insurance company. Verify the contractor’s references, have a written contract before repairs begin, and pay only as the contractor completes the repairs. If you suspect fraud, please call TDI’s Fraud Hotline toll-free at 1-888-327-8818.
For More Information, visit TDI’s wind and hail resource page on the web at:http://www.tdi.state.tx.us/home/windandhail.html. For general insurance information or to file a complaint against an insurance agent or company, call TDI’s Consumer Help Line (1-800-252-3439).
