Dallas Homeowners: Preparing for Severe Weather Events This Spring Season

Will Texas storm season bring a 40% increase in damage claims this year?

Dallas homeowners can expect a more intense storm season than usual, with warmer temperatures and increased moisture leading to a higher risk of severe weather events. According to the National Weather Service, Dallas is already experiencing above-average rainfall this spring, setting the stage for potentially catastrophic storms.

The Texas difference: why this state has unique rules

Texas has a distinct set of insurance laws and regulations that set it apart from other states. For example, Texas homeowners are required to have separate flood coverage through the National Flood Insurance Program (NFIP), which can be purchased through a licensed insurance agent or directly through the NFIP website. Additionally, Texas law prohibits contractors from waiving or paying insurance deductibles, so be wary of any contractor who makes such promises.

Recently, some insurers have exited the market in Texas, leaving many homeowners without coverage options. This is particularly concerning for those living in areas prone to hail storms, which can cause significant damage to roofs and siding.

What you're actually owed — the real numbers

A typical Dallas 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 is in addition to any other deductibles or fees associated with the claim. It's essential to understand these numbers and factors when filing a claim.

How to get the most from your claim or contractor

To maximize your chances of success, follow these steps:

• Keep detailed records: Document all damage, including photos and videos, as well as any communication with insurance adjusters or contractors. This will help you track progress and ensure that everything is properly accounted for.
• 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.
• File a claim promptly: Don't wait to file a claim, especially if you're experiencing severe weather damage. Contact your insurance company as soon as possible to initiate the claims process.
• Read and understand policy exclusions: Familiarize yourself with your policy's fine print, including any exclusions or limitations that may apply to your situation.

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

Be cautious of contractors who use language like "we'll cover your deductible" or "don't worry about the insurance company, we've got you covered." These statements are often attempts to waive or pay deductibles, which is against Texas law. Additionally, be wary of insurers that try to downplay the severity of damage or deny claims without proper justification.

As a Dallas homeowner, it's essential to stay informed about the storm season and take proactive steps to protect your property. This week, review your insurance policy and familiarize yourself with any changes in your coverage. Make sure you have a list of emergency contact numbers, including your insurer and local contractors, readily available in case of an unexpected storm event.