After the Storm: Navigating Insurance Claims for Property Damage in Texas

Spring storms in Texas can be sudden, severe, and financially devastating. From hail and wind damage to flooding and roof leaks, homeowners are often left scrambling to navigate complex insurance claims processes.

At Frontier Services Group, we understand how overwhelming this can be—and we’re here to help. In this guide, we’ll walk you through how to protect your rights, document storm damage correctly, and work toward getting the full compensation you're owed.

Why Timely Action Matters

The Texas Prompt Payment of Claims Act holds insurance companies accountable by requiring them to process claims within specific deadlines:

• Insurers must acknowledge your claim within 15 calendar days.
• After receiving all necessary documentation, they must approve or deny the claim within 15 business days.

These legal requirements are designed to prevent unreasonable delays and ensure policyholders aren't left in limbo after a storm. Filing promptly and keeping detailed records can help you stay within your rights and avoid claim denials.

4 Critical Steps After a Texas Storm

1. Document Everything (With Visual Proof)

• Take photos and videos immediately, before cleanup begins. Use your phone’s timestamp feature.
• List affected items (e.g., roof, walls, flooring, furniture, outdoor structures) for your claim.
• Save receipts for emergency repairs or temporary lodging.

Pro Tip: Label your photos and back them up to a cloud drive to avoid data loss.

2. Review Your Homeowners Insurance Policy

• Flood damage typically requires a separate policy.
• Wind, hail, and fallen trees are usually included in standard homeowners policies.

Locate your deductible and review your Additional Living Expenses (ALE) coverage, which pays for hotel stays or rentals if your home is uninhabitable.

3. File Your Claim Promptly

Delaying your claim can jeopardize your rights. File as soon as it's safe to do so and keep copies of:

• All correspondence with your insurer
• Your claim number and assigned adjuster info
• Photos, videos, and repair estimates

4. Work With Restoration and Inspection Professionals

Partnering with professionals like Frontier Services Group can make or break your claim. We provide:

• Comprehensive storm damage assessments
• Moisture mapping and structural evaluations
• Expert reports that support insurance negotiations

These services often help homeowners receive higher payouts and avoid disputes with insurance companies.

Avoid Common Mistakes With Storm Damage Claims

• ❌ Don’t throw away damaged items before documenting them
• ❌ Don’t accept a lowball settlement without expert review
• ❌ Don’t sign insurance paperwork you don’t understand—ask questions or get help

Need Help After the Storm?

At Frontier Services Group, we specialize in storm damage inspections across Texas—from Dallas-Fort Worth to Houston and Austin. We work directly with your insurance provider to ensure your claim is supported by professional, unbiased documentation.

📞 Call us at (713) 937-8700 or contact us online to schedule your FREE storm damage inspection.

Frequently Asked Questions

What should I do first after storm damage in Texas?

Start by taking photos/videos of the damage, securing your home from further harm, and contacting your insurance company.

Does homeowners insurance cover wind and hail damage in Texas?

Yes, most standard policies cover wind and hail damage. Flood damage, however, typically requires a separate policy.

How long do I have to file a claim in Texas?

Each policy varies, but Texas law enforces prompt timelines on insurance providers. File your claim as soon as possible to avoid issues.