Tips For Dealing With Property Damage And Insurance In Texas
In recent times, North Texas has been bombarded by blizzard conditions, and to make matters worse, the area has also been hit by several tornados. According to information from the National Weather Service, Garland was struck by an EF4 tornado.
A large portion of Rowlett was attacked by an EF3 tornado. Unfortunately, Copeville was also hit by an EF2 tornado. The NWS reported several smaller twisters striking Hubbard, Emory and several small towns. When the dust finally settled, over 1,450 homes were damaged or destroyed, and there were a total of 11 deaths.
A large number of power lines, trees and vehicles were also destroyed in the storms. Cleanup efforts have been very difficult because of persistent cold temperatures, strong winds and heavy rains.
Many homeowners will be assessing the damage and trying to recover important possessions, and many more will be filing a claim with their homeowners insurance in Texas.
Tips To Handle Storm Damage in Texas
When the weather is calm, Texas can be a very beautiful place to live, but itâs also a state that is known for some wicked weather conditions.
Fortunately, the USAA has released a report and provided Texan homeowners with some simple tips for handling storm damage. If your property was damaged in any of these recent storms, you can use these tips to get on the right track.
â¢ To prevent further damage from occurring, itâs a good idea to give your home some temporary repairs. For example, you might want to consider boarding up windows or covering a torn roof.
â¢ Itâs best to hold off on permanent repairs until your home has been visited by a claims adjuster. Homeowners insurance in Texas can be tricky, and you want to make sure you get a fair estimate.
â¢ Once itâs safe enough to enter your neighborhood, you can begin to assess the damage to your home. Make sure to take photos of every bit of damage. Itâs an even better idea to gather video evidence of the damage. Homeowners insurance in Texas usually covers damage to your home, but it might not cover the cost of all of your possessions, so you should check with your insurance company to find out,
â¢ If you happen to be one of the unlucky individuals who suffered a total loss of your home, youâll want to contact whatever company handles your homeowners insurance in Texas as quickly as possible. You should also make sure your insurance company will pay for temporary living expenses.
â¢ If your home was completely destroyed by a tornado, youâll want to place a sign that marks where the home used to be because the claims adjuster needs to know. You should also include the contact information that you used to get homeowners insurance in Texas.
â¢ After purchasing the materials needed for temporary repairs, make sure to save all of the receipts.
â¢ An obvious, overlooked tip is to make sure you actually have homeowners insurance in Texas.
â¢ Even if you have good homeowners insurance in Texas, you might want to perform temporary repairs. However, itâs important to be on the lookout for fraudulent contractors. These individuals are known to frequent communities that have just been ravaged by a natural disaster, and they prey on unsuspecting homeowners.
â¢ You should create a list for all of your damaged items and add the purchase date, description and approximate value. If you have receipts of the items, gather everything and store it in a secure place.
The Claims Process for Homeowners Insurance in Texas
After your property has been assaulted by harsh weather conditions, youâll probably have questions about the claims process. Homeowners insurance in Texas can be tricky, but there are some important laws to understand. In Texas, an insurance company has 15 days to notify you about your claim.
The company that provides you with home insurance in Texas must tell you if your claim has been rejected or approved within 15 days. Depending on the situation, a governing entity might choose to extend this deadline.