Filing an insurance claim after property damage can feel overwhelming. This guide walks you through the process step by step to help you get the coverage you deserve.

Step 1: Document the Damage

Before touching anything, thoroughly document all damage: - Take photos and videos from multiple angles - Make a detailed inventory of damaged items - Note the date, time, and cause of damage - Keep receipts for any emergency repairs

Step 2: Contact Your Insurance Company

Report the damage to your insurance company as soon as possible. Most policies require prompt notification. When you call: - Have your policy number ready - Provide a brief description of the damage - Ask about your deductible and coverage limits - Request a claim number

Step 3: Understand Your Coverage

Common homeowner's insurance coverage includes: - Dwelling coverage: Structural damage to your home - Personal property: Damaged belongings - Additional living expenses: Temporary housing if your home is uninhabitable - Liability: Injuries on your property

Note: Standard policies typically don't cover flood damage — that requires separate flood insurance.

Step 4: Meet with the Adjuster

Your insurance company will send an adjuster to assess the damage. Tips for the adjuster visit: - Be present during the inspection - Point out all areas of damage - Provide your documentation - Ask questions about the process and timeline

Step 5: Get Professional Estimates

Get estimates from licensed restoration companies. At Texas Restoration Group, we provide detailed, itemized estimates that insurance companies accept. We also work directly with adjusters to ensure nothing is missed.

Step 6: Review Your Settlement

Carefully review the settlement offer from your insurance company. Make sure it covers: - All structural repairs - Content replacement at current value - Any additional living expenses - Professional restoration services

Tips for a Smooth Claims Process

• Don't throw away damaged items until the adjuster has seen them
• Keep all receipts for emergency repairs and temporary housing
• Communicate in writing when possible
• Don't accept the first offer if you believe it's too low
• Consider hiring a public adjuster for large claims

How Texas Restoration Group Helps

We work with all major insurance companies and can: - Provide detailed damage assessments and documentation - Submit estimates directly to your insurance company - Communicate with adjusters on your behalf - Handle the entire restoration process

Need help with an insurance claim? Call (512) 883-7364.