AUSTIN, TX, March 11, 2024 — In the wake of the devastating Texas wildfires, the Insurance Council of Texas (ICT) urges affected residents to promptly reach out to their insurance companies to initiate the claims process. Taking immediate action is crucial to ensure a swift and efficient recovery.

To assist policyholders during this challenging time, ICT provides the following tips when navigating the claims process:

Maintain Detailed Records:

Keep a comprehensive list of all communication with your insurance company. Be prepared to provide detailed information about the extent of the damage.

Inquire about Additional Living Expenses:

If your home is uninhabitable due to the damage, inquire about coverage for additional living expenses. Your policy may cover expenses such as hotel stays or alternative living arrangements.

Secure Your Property:

Take the necessary steps to secure your home and prevent further damage. Undertake only temporary repairs and retain all receipts for future reference, these expenses may be covered by your insurance company.

Document Damaged Property:

Create an inventory of damaged property and supplement it with photographs or videos showcasing the extent of the damage. Refrain from discarding any items until instructed by your insurance company.

Coordinate with Inspections:

If possible, be present when your insurance company conducts inspections of the damage. If residing elsewhere, notify your insurance company of how you can be contacted.

Allow the Claims Process to Work

This can be a stressful and confusing time. However, allowing the claims process to work with your insurance carrier is the quickest way to recovery. Insurance is there to help you recover and insurance companies need to pay what they owe on legitimate claims.

Avoid Insurance Fraud

Additionally, ICT emphasizes the importance of vigilance to prevent fraud during the recovery process and during the rebuilding phase. Residents are advised to adhere to the following precautions:

Be Truthful with your Insurance Carrier

Be honest with your insurance company. Making a fraudulent claim or giving false information may void the claim or cause you to lose your policy entirely. Make sure they know as many details as possible about the damage incurred. This will make the claims process go smoother.

Obtain Multiple Bids:

Seek bids from more than one contractor to evaluate and identify reasonable offers.

Prefer Local Contractors:

Seek out local contractors and refrain from signing contracts with blank spaces.

Check References:

Verify the credentials of contractors by checking references and contacting the Better Business Bureau for any history of complaints.

Beware of Deductible Waivers:

Exercise caution and avoid contractors who propose to waive insurance deductibles, as this practice is illegal in Texas.

Payment Terms:

Do not pay the full amount upfront; reserve the final payment until the completion of the work.