Preparing for Fort Worth Storm Season: Essential Tasks for a Safe and Secure Home

Texas storm season update: are you prepared for the worst?

Fort Worth homeowners face a unique challenge when it comes to storm season, with hail and severe weather events causing millions in damage each year.

The Texas difference: why this state has unique rules

TDLR licenses specific trades — electricians and air conditioning contractors among them — but Texas does not license roofing contractors or contractors in general.

No kidding, this means extra paperwork and potential delays in getting paid out for damages. And don't even get me started on those high wind/hail deductibles, typically ranging from 1% to 5% of the policy value.

Recently, insurance carriers have been exiting the Texas market, leaving homeowners without options. For example, in 2022, USAA announced its departure from the state's homeowners market, citing increasing costs and regulatory challenges. But honestly, that just means more headaches for you.

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. You'll also need to factor in additional costs like replacement windows or roofing materials.

How to get the most from your claim or contractor

• Document everything: take photos of damage and keep receipts for repairs.
• Get multiple quotes: don't rely on a single contractor's estimate. Shop around to find the best price for repairs, and make sure to factor in the cost of materials and labor.
• Check with TDI: if you're having issues with your insurer or contractor, contact the Texas Department of Insurance (TDI) at 800-252-3439 or tdi.texas.gov. They can provide guidance on your rights as a homeowner.
• Read contracts carefully: be wary of contractors who push for immediate payment or try to waive your insurance deductible. That's against Texas law, and you could end up in financial trouble if you don't protect yourself.

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

If a contractor says 'we'll cover your deductible,' walk away — it is illegal in Texas for a contractor to waive or pay your insurance deductible. Be cautious of contractors who use high-pressure sales tactics, make promises they can't keep, or try to steer you towards specific products or services.

And here's the thing: being prepared matters

As Tropical Storm Edouard approaches Fort Worth, take this week to review your emergency kit and ensure you have essential supplies on hand. This includes non-perishable food, water, flashlights, and a battery-powered radio.

Reading Your Explanation of Loss Document: A Step-by-Step Guide (it's not as scary as it sounds)

Your insurer will provide you with an Explanation of Loss document after processing your claim. This document outlines the amount of loss and the basis for the payment. Look for the "Deductible" section, which typically lists the specific amount you must pay out of pocket before your insurer pays out.

• Check if there are any policy limits or exclusions that may affect your claim payment.
• Familiarize yourself with the insurance company's calculations and make sure they align with your understanding of the damage.

When to Hire a Public Adjuster vs. an Attorney in Texas (it's not always a straightforward choice)

In Texas, you have two main options for navigating the claims process: hiring a public adjuster or seeking representation from an attorney. Both professionals can help you maximize your claim, but it's essential to understand the differences between them.

Texas-Specific Resources and Phone Numbers for Fort Worth Homeowners (you'll want these handy)

To ensure you're well-equipped to handle any storm-related issues in Fort Worth, familiarize yourself with these Texas-specific resources:

• Texas Department of Insurance (TDI): (800) 252-3439 or [www.tdi.texas.gov](http://www.tdi.texas.gov)
• Texas Department of Licensing and Regulation (TDLR): (800) 803-9202 or [www.tdlr.texas.gov](http://www.tdlr.texas.gov)
• Texas Windstorm Insurance Association (TWIA): (888) 252-3439 or [www.twia.org](http://www.twia.org)

By understanding these resources and the claims process, you'll be better prepared to navigate any challenges that come with storm season in Fort Worth.