Lubbock Homeowners: Essential Tasks Within the First 48 Hours of a Storm

One-third of Lubbock homes face hail damage in a single storm

Lubbock, Texas, has seen its fair share of severe thunderstorms this year, with some events producing damaging hail that can cause significant damage to roofs, siding, and other exterior features. In fact, according to data from the National Oceanic and Atmospheric Administration (NOAA), Lubbock experiences an average of 37 hail days per year, which is significantly higher than the national average.

The Texas difference: why this state has unique rules

Texas law requires insurers to follow specific guidelines when handling storm damage claims. For example, the Texas Insurance Code (Tex. Ins. Code § 541.001) mandates that insurers provide a written explanation of their decision to deny or pay a claim within 30 days of receipt. Additionally, the Texas Department of Insurance (TDI) regulations (11 TAC § 27.1001 et seq.) outline specific requirements for adjusters and insurers when handling claims related to hail damage.

Recently, some insurance carriers have exited the Texas market or changed their policies, leaving homeowners with limited options. For instance, in 2022, several major carriers dropped their hail deductibles from 10% to 5%, making it easier for policyholders to file claims. However, this change also means that policyholders must be aware of the new deductible amounts and adjust their expectations accordingly.

What you're actually owed — the real numbers

A typical Lubbock homeowner on a 1,800 sq ft house insured at $320k faces a 1% hail deductible, meaning $3,200 out of pocket before insurance pays anything. If your roof sustains significant damage, expect to pay anywhere from $5,000 to $20,000 or more for repairs, depending on the extent of the damage and the type of materials used.

How to get the most from your claim or contractor

To maximize your chances of getting a fair settlement, follow these steps:

• Document everything: take photos and videos of the damage before making any repairs, as this will help your insurer assess the extent of the damage. Also, keep receipts for any temporary repairs you make to prevent further damage.

• Get multiple estimates: obtain quotes from at least three licensed contractors to ensure you're getting a fair price for repairs. Be sure to provide each contractor with the same information, including the extent of the damage and your insurance policy details.

• Consult with a public adjuster: if you're unsure about navigating the claims process or need help negotiating with your insurer, consider hiring a licensed public adjuster who can advocate on your behalf. The Texas Department of Insurance recommends using a public adjuster to ensure that you receive fair compensation for your losses.

• Review and understand your policy: before filing a claim, review your insurance policy to ensure you know what's covered and what's not. Pay particular attention to any exclusions or limitations related to hail damage.

Red flags: when the contractor or insurer is acting in bad faith

Be wary of contractors who use high-pressure sales tactics, promise "free" repairs that you'll only have to pay for later, or say they'll cover your deductible. In Texas, this behavior constitutes insurance fraud under the Texas Insurance Code (Tex. Ins. Code § 27.02). Red flags also include insurers delaying payment or denying claims without a valid reason.

Before meeting with your insurer or contractor, review your policy and familiarize yourself with the claims process. If you suspect that your insurer is acting in bad faith, file a complaint with the Texas Department of Insurance. In Lubbock, it's essential to take action quickly after a storm to ensure you receive fair compensation for your losses.