Insurance Claim Help
Understanding the Homeowner Insurance Claim Process
Filing a homeowner insurance claim can feel overwhelming. We provide general homeowner guidance on the process — not legal or insurance advice — to help you navigate with more confidence.
Disclaimer: Nothing on this website constitutes legal advice. If you have legal questions about your insurance policy, contractor dispute, or property rights, please consult a licensed attorney in Texas.
The General Claims Process
Review Your Policy
Before filing, locate your homeowner's policy declarations page. Note your deductible, coverage type (ACV vs RCV), and any exclusions relevant to your damage type.
Document the Damage
Take thorough photos and video before any cleanup. Document the date, time, and cause of damage. Include interior and exterior damage, and any personal property affected.
Make Temporary Repairs
Prevent additional damage with temporary measures (tarps, board-ups). Keep all receipts — many policies cover reasonable emergency repair costs.
File Your Claim
Contact your insurance company to file the claim. You'll receive a claim number and be assigned an adjuster. Document all communication.
Prepare for the Adjuster Visit
The adjuster will inspect the property. Have your documentation ready. You are permitted to have your own contractor present to point out damage.
Review the Settlement Offer
Your insurer will provide a claim estimate. Review it carefully. If you disagree, you have the right to dispute the amount — consult a licensed public adjuster or attorney if needed.
📎 Key Documents to Keep
- ✓Your insurance policy declarations page
- ✓Claim number and adjuster contact information
- ✓All written and email communication with your insurer
- ✓Photos and video of all damage (dated)
- ✓Contractor estimates and invoices
- ✓Receipts for temporary repairs
- ✓A damage log with dates and descriptions
Disclaimer: Texas Property Help is a homeowner assistance and referral platform. We are not an insurance company, insurance agent, or public adjuster. We do not guarantee claim approval, coverage amounts, or outcomes. All insurance decisions are made solely by your insurance company. Consult a licensed public adjuster or attorney for formal claims assistance.
Insurance Claim FAQ
Need Help Navigating a Property Insurance Claim?
Submit a request and we'll connect you with resources to help document your damage and understand the general claim process.