The “Do’s and Don’ts in Dealing with Insurance and Contractors
GENERAL TIPS FOR DEALING WITH INSURANCE COMPANIES
 DO make sure you are aware of any deadlines for filing claims contained in your policies.
DO be aware that you have the right to reject any settlement offer from your insurance company.
DO keep receipts for all your expenses related to the storm, even if some may not be covered.
DO make minor or temporary repairs to limit further damage.
DO demand a written explanation for the denial of any part of your claim that points out the specific reasons for the denial.
DO keep a journal of the dates of all your contacts or attempts to contact your adjuster.
DO check with your mortgage company to find out if they purchased any insurance on your home.
 DO NOT sign any document from your insurance company without carefully reading the entire document and are sure you understand what you are signing.
DO NOT rely on the insurance company to provide you with a fair estimate.
DO NOT expect the insurance company to readily pay for property without proof of the loss.
DO NOT allow damage to get worse and expect your insurance company to pay for it.
DO NOT ignore new problems with your home that may be caused by the storm. Report them to the company as soon as possible.
DO NOT accept that flooding caused all of the damage to your home. Some parts of the home may have been damaged by wind instead of flood waters.
GENERAL TIPS FOR DEALING WITH CONTRACTORS
DO use local contractors whenever possible.
DO get bids from reputable contractors.
DO contact the Better Business Bureau or Texas Residential Construction Commission and verify that they are a trustworthy company.
DO ask the contractor to show you a copy of their insurance policy. |
DO NOT give your insurance claim check directly over to your contractor until the work is completed to your satisfaction.
DO NOT just go with the contractor who gives you the lowest bid. An extremely low bid may be a red flag that the contractor is not reputable.
DO NOT get your roof repaired without getting a windstorm certificate from the state. |
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