Hurricane Beryl made landfall in Texas on Monday along the southern coast. As things clear up, it is important to assess the damage done and when to consider filing an insurance claim.

Filing an insurance claim following a major weather event or disaster can offer you protection from liability and timely financial support.

The Texas Department of Insurance and Insurance Claim Recovery Report provides guides for filing a claim after there is damage done to your property.

Assess the Damage

Due to Texas being prone to severe weather events, claiming property damage in the state can be complex. The first thing that should be done is to check and understand your insurance policy and what it covers. Having an understanding of the amount of damage done and navigating the insurance claim process is imperative to promptly start your claim process.

Protect the Property

Once the damage is assessed, it is time to report it to your insurance. Make sure to take pictures and videos of the damage, and do not throw anything away until your insurance adjuster tells you to. If you had to make temporary repairs to any of the damages (cover broken windows and holes) make a list of the repairs. Save receipts and documents for proof of ownership.

File the Claim

After collecting the needed documents and information, it is time to contact your insurance company to file a claim. Keep a record of everyone you spoke to with your company. Be prepared to talk to them about all the details you have of the incident and of the damage.

If you need help quickly, ask for an advance payment and living expenses if you are unable to stay in your home because of the damage.

Keep in mind that the quicker you contact your insurance company, the quicker the claim will be processed and reduce the chance of further damage happening, which may not be covered if protective measures are delayed.

After this is done, your insurance company will most likely send an adjuster to look at the damage.