Waco Homeowners: Avoid These Common Insurance Claim Mistakes After Hailstorms

Homeowner guide — general guidance, not a report of a current local event.

Common Insurance Claim Mistakes Texas Homeowners Make After Hail

Documenting the Damage Safely

• Take clear, well-lit photos and videos of the damage from multiple angles.
• Make a detailed list of damaged items inside and outside your home.
• Avoid throwing away damaged items until your insurance company has inspected them.

Reviewing Relevant Paperwork

• Check your policy for wind and hail coverage or comprehensive coverage on your auto policy.
• Review your policy's deductible, limits, and exclusions.
• Keep all receipts for temporary repairs and living expenses.

Asking Specific Questions and Identifying Information Still Needed

• Ask your insurance company about the claims process and what information they need from you.
• Inquire about any documentation or evidence required to support your claim.
• Request a list of contact numbers for your insurance company, including their adjuster's phone number.

Additional Tips

• Be available for the adjuster visit to ensure they see all the damage.
• Keep a record of everyone you talk to at your insurance company and be prepared to answer questions about the damage.
• Consider getting multiple bids or repair estimates to help decide which offers are too high or too good to be true.

Remember, it's essential to stay informed and follow proper procedures when dealing with hail damage to your home. Consult a qualified professional for any necessary repairs or assessments.

Sources

• Texas Department of Insurance
• National Weather Service