The short answer
Document the Damage First
Before you call anyone, take clear photos and videos of every damaged area, both inside and outside your home. Note the date, time, and what you see, such as water stains, soaked carpets, or broken windows. This record helps your insurance company understand the scope of the loss and speeds up the process.
Also list damaged personal items, including their approximate age and value if you can. Keep receipts for any materials you buy for temporary fixes, like a tarp for a roof or a bucket for a leak. Good documentation makes the claim process smoother for you and the adjuster.
Review Your Policy
Your homeowners or renters policy spells out what storm damage is covered, such as wind, hail, or water from a burst pipe. Flood damage from rising water is often separate, so check if you have flood coverage. Policies vary, and your insurer decides what is covered.
Look for your deductible, coverage limits, and any time limits for filing a claim. If you are unsure about a term, call your insurance company and ask. Knowing your coverage ahead of time prevents surprises later.
- Take photos and videos of all damage
- List damaged items with details
- Keep receipts for temporary repairs
- Review your policy for coverage and limits
- Note your deductible amount
- Check for flood coverage
Contact Your Insurer
Call your insurance company as soon as you have your documentation ready. Have your policy number handy, along with your list of damages. Be honest and specific about what happened, and ask what steps to take next. The representative will guide you through the claim process.
If you live in Euless, you know spring storms can bring hail and strong winds, so acting quickly matters. Your insurer may send an adjuster to inspect the damage, or they may ask for more photos. Follow their instructions and keep notes of every conversation, including dates and names.
Make Temporary Repairs
Your priority is to prevent further damage, like covering a broken window or turning off the water if a pipe burst. Take photos before and after any temporary repairs. Your insurer may not cover damage that worsens because you waited, so act promptly to protect your home.
Keep all receipts for materials and labor, as these may be reimbursable under your policy. For example, if you hire a plumber to stop a leak, save that invoice. Temporary repairs are a normal part of the claim process, and your insurance company will want to see the evidence.
Work with the Adjuster
The adjuster from your insurance company will assess the damage and determine what is covered. Be present during the inspection if you can, and point out all affected areas. Share your documentation and receipts. Ask questions if you do not understand something about the settlement.
After the adjuster submits the report, your insurer will send you a settlement offer. Review it carefully and compare it with your own estimate of the damage. If you disagree, you can ask for a reconsideration. The process takes time, so stay patient and keep your records organized.
Water damage does not wait
Water keeps spreading into floors and walls, so it is worth acting early. Calls are answered 24/7.
Call Now (817) 799-6732Frequently asked questions
What should I do immediately after a storm?
Ensure your safety first, then document the damage with photos and notes. Make temporary repairs to stop further damage, like covering a roof hole or shutting off water. Keep receipts, then contact your insurance company to start the claim.
How long do I have to file a claim?
Your policy sets the deadline, which is often within a year of the storm, but check your policy. Delays can complicate the process, so file as soon as you can. Contact your insurer right away to confirm the specific time limit for your claim.
What if my claim is denied?
If your claim is denied, ask your insurer for a written explanation. Review your policy to see if the denial is correct. You can appeal the decision by providing more evidence, and you may want to consult a professional for help. Check your policy for the appeal process.