For nearly everyone, the home they live in is their biggest investment, and they will do everything to protect this asset. This is why most people are very confident when they sign up for homeowner’s insurance. However, what most people do not know is that their policy will not cover every type of damage and loss that their residence experiences. Even if a person has a ‘comprehensive’ insurance plan, this does not mean their losses will be included inside it.

To properly ensure one’s assets, homeowners should make sure they first take the time to read the insurance policy and clarify any questions they have with the carrier. When individuals are equipped with the knowledge of what their insurance covers, they can feel safer and more confident in the event a disaster strikes and their property faces damage. It is always a good idea to connect with an insurance lawyer as soon as possible when a person is purchasing home insurance so they can receive a legal opinion on what is best for them and what plan will likely give them the most coverage for the least amount of money.

How should an insurance claim be filed in Houston, Texas?

To file a legitimate home insurance claim, a person should take the following steps:

  • Make a list of the damaged property
  • Take pictures of the damaged property and videos as well
  • Don’t throw any damaged items away without talking to an insurance adjuster first
  • Minimize any further damage and protect everyone’s health by making essential repairs right away
  • Guide the insurance adjuster around the house so they don’t miss anything and bring in a contractor to discuss estimates with the adjuster

The insurance company is required to let a person know that they received the claim within 15 days of obtaining it. Once the company receives it, they may ask for more information or more evidence of the damage. Before a person goes ahead and accepts the offer being given to them, they should make sure to run it through a legal professional first. A lawyer will be able to read through the lengthy policies, assess the damage, and let a person know if they deserve more compensation, which will likely be the case.

Insurance companies are required to act in good faith and not create problems and unnecessary issues when one of their policyholders makes a claim. The court requires the insurer to be fair, but these companies often try to take advantage of the individual making the claim in the hopes that they are not well educated on their rights for their case.

An insurance lawyer can walk them through the claim process and communicate with the insurer on their behalf, so they don’t have to worry about being unfairly taken advantage of.


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