Fort Worth Storm Season Alert: Essential Tips for Preparing Your Home This Week

Will Texas Storms Wreak Havoc on Fort Worth Homes This Week?

Did you know that Texas is one of the top five states for severe weather events in the country, with an average of 129 tornadoes and 26 major hurricanes making landfall each year? The threat is real, and it's essential to understand what's at stake.

The Texas difference: why this state has unique rules

Texas law requires homeowners to have separate flood coverage for their homes, which can be a significant additional cost. This rule applies to all homes located in special flood hazard areas (SFHAs), which are designated by the Federal Emergency Management Agency (FEMA). Texas also has specific requirements for contractor licensing and percentage wind/hail deductibles.

In recent years, some insurance carriers have exited the Texas market or changed their policies to exclude coverage for certain types of damage. For example, Allstate stopped offering homeowners insurance in Texas after 2011 due to increasing costs.

What you're actually owed — the real numbers

A typical Fort Worth 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 the damage is severe enough to require repairs, this amount can add up quickly.

How to get the most from your claim or contractor

To ensure you receive fair compensation for storm-related damages, follow these steps:

• Demand a detailed estimate of repair costs and timelines from your contractor. This will help prevent unexpected expenses down the line.
• Document all communication with your insurer, including dates, times, and details of conversations. This can be crucial in resolving disputes or appeals.
• Visit the Texas Department of Insurance (TDI) website at tdi.texas.gov to learn more about your rights as a policyholder and find resources for filing claims and resolving disputes.
• Submit all required documentation, including proof of damage and repair estimates, promptly to avoid delays in the claims process.

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

Be wary if a contractor says "we'll cover your deductible" or makes similar promises. In Texas, it's illegal for contractors to waive or pay insurance deductibles. Other red flags include:

• A contractor who demands payment upfront or refuses to provide a detailed estimate.
• An insurer that denies coverage without proper justification or delays payment unnecessarily.
• A contractor or insurer who uses high-pressure sales tactics or promises unrealistic results.

This week, make sure you have a plan in place for storm-related damages. Review your policy and understand what's covered, including any deductibles or exclusions. Keep essential contact information handy, such as the TDI hotline (800-252-3439) and your insurer's claim reporting number.