Storm damage to your Fort Worth roof can be overwhelming, but understanding Texas insurance claim procedures can mean the difference between a full roof replacement and costly out-of-pocket expenses. This comprehensive guide walks you through every step of the claims process in 2025.
Understanding Texas Insurance Laws
Texas has specific insurance regulations that protect homeowners. Under Texas Insurance Code Chapter 542, your insurer must acknowledge your claim within 15 days. This guide will help you maximize your settlement and avoid common pitfalls.
Step 1: Document Everything
Proper documentation is your strongest weapon in claim negotiations. Take photos of all damage, save weather reports, and get professional assessments before the adjuster arrives.
Step 2: File Your Claim Promptly
Contact your insurance company within 24-72 hours of discovering damage. Have your policy number and documentation ready.
Step 3: Work with the Adjuster
Be present during the adjuster's inspection. Consider having a professional contractor present to identify all damage areas that might be missed.
Understanding Depreciation
Most Texas homeowners have Replacement Cost Value (RCV) coverage. Insurance companies issue payments in two stages: initial payment minus depreciation, then recoverable depreciation after work completion.
Maximizing Your Settlement
Get multiple professional estimates, challenge low pricing, and consider hiring a public adjuster for complex claims. Document everything and know your rights under Texas law.
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