A Texan’s Guide to Wind and Hail Claims

Wind and hail claims?are the most common homeowner’s insurance claims made in Texas. Unfortunately, the damage strong winds or hail may cause to your home might not be immediately noticeable. It can take days, weeks, or even months to notice a damage to pipe jacks, roof damage, or water leak inside your home.

If you’re a home or business owner and your property is affected by strong winds and hail, you should immediately inspect the property for any potential damage and file a claim with your insurer. However, evaluating damages and filing subsequent claims can be a complex process. Therefore, you should seek the help of an experienced public adjuster?to ensure you get the financial compensation you deserve. ?

That said, you should also be aware of the recovery process and the steps you need to undertake when filing a wind or hail claim. Here’s a comprehensive guide to protecting your home and ensuring a swift and smooth claims process.

Protecting Your Property

As a Texas resident or business owner, intense storms and hail that cause significant property damage aren’t news unless you’ve recently relocated from a different state. The key is to prepare yourself and your property for storms and hail adequately and take the necessary steps to recovery. Here are some things you should do after damage to your property:

·?Immediately call your insurer?and inform them about the damage.

·?Hire a public adjuster in Texas?to evaluate property damage and start the claim filing process.

·?Take pictures and video of the damage as evidence. Don’t discard them until your adjuster asks you to do so.

·?Undertake temporary repairs to ensure your property doesn’t suffer further damage.

·?Keep a record of any temporary repairs you undertake. Save receipts, and don’t do any permanent repairs until your adjuster evaluates the overall damage.

?Hiring a Public Insurance Claims Adjuster

Hiring a public insurance adjuster should be a priority when evaluating damages, coordinating with the insurance company, and preparing documentation to file claims. However, you must choose the adjuster wisely because they can be the difference between you getting a fair settlement or not. When hiring a public adjuster, ask the following questions:

·?Are they licensed to work in Texas? Ensure that you hire a licensed public adjuster with the credentials and qualifications to get you the settlement you deserve.

·?What type of claims have they worked on before? You should hire a public adjuster who has significant experience in filing wind and hail claims and knows the ins and outs of the entire process.

·?What do they charge for their services? Most public adjusters charge contingency fees, meaning you’d only be required to pay for their services if you successfully settle with the insurer. Most public adjusting companies in Texas?charge 10% of the settlement amount as their fee. Make sure to agree on the percentage beforehand to avoid any late surprises.