Galveston Homeowners: Avoid These 3 Insurance Claim Mistakes After a Hail Storm

Mistakes that can cost Texas homeowners thousands after a hail storm

Galveston residents might be surprised to learn that nearly 40% of insurance claims filed after a severe hail storm are denied due to inadequate documentation or missed deadlines.

And let me tell you, it's not just the paperwork. It's the whole system.

The Texas difference: why this state has unique rules

Texas law requires insurers to cover wind damage, but not all policies explicitly exclude it. This can lead to confusion for homeowners who assume their policy will cover both wind and hail damage. Recent changes in building codes have also raised concerns about the durability of newer roofs and exterior features.

Some folks might say, "Well, that's just a minor tweak." But trust me, it's more complicated than that.

What you're actually owed — the real numbers

A typical Galveston 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. This can add up quickly, especially if multiple areas of the roof are damaged or need replacement.

I've seen this go wrong more times than I can count.

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 damage, keep receipts for any temporary repairs or replacements, and save all correspondence with your insurer or contractor.
• Texas issues no state roofing license, so a TDLR lookup will not show one for a roofer — check instead for proof of general liability insurance, a local address, and BBB history before you hire.
• Texas Insurance Council's list of recommended providers can be a good starting point for finding a reputable adjuster. Keep in mind that their recommendations are not endorsements.
• Don't delay: file your claim as soon as possible, ideally within 30 days of the storm, and request an inspection from your insurer to assess damage before making any repairs.

And remember, it's always better to be safe than sorry.

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

Be wary if a contractor promises to "cover your deductible" or makes claims about needing to perform "additional work" outside of what's covered by your policy. This could be insurance fraud under Texas law.

Check your policy this week and make sure you understand what's covered in the event of a hail storm.

How to Read Your Explanation of Loss Document

An Explanation of Loss (EOL) document is a detailed breakdown of your insurance company's assessment of damages after a hail storm. It outlines the repairs needed, estimated costs, and any deductions or adjustments made to your claim.

Be sure to review this document carefully for accuracy and make sure you understand all the line items and deductions listed.

And don't be afraid to ask questions if something doesn't add up.

When to Hire a Public Adjuster vs. an Attorney in Texas

In Texas, public adjusters and attorneys can both help homeowners navigate the claims process. However, they have different roles and expertise:

• Public Adjuster: A licensed insurance professional who represents you in negotiations with your insurer to ensure a fair settlement.
• Attorney: A lawyer who can provide legal advice and representation if disputes arise, such as when an insurer is acting in bad faith.

I'll be honest — it's not always clear-cut which one you need.

Texas-Specific Resources and Phone Numbers

For additional guidance or support during the claims process, refer to these state-specific resources:

• Texas Department of Insurance (TDI): (800) 252-3439 or [www.tdi.texas.gov](http://www.tdi.texas.gov)
• Texas Windstorm Insurance Association (TWIA): (800) 992-9687 or [www.twia.org](http://www.twia.org)
• Texas Department of Licensing and Regulation (TDLR): (800) 803-9202 or [www.tdlr.texas.gov](http://www.tdlr.texas.gov)