AUSTIN – Consumers who suffered property damage in the recent severe weather across Central and South Texas should contact their insurance company or agent to file a claim as soon as possible. Initiating this process is the first step toward getting money for additional living expenses or to begin rebuilding or making repairs. Other tips for dealing with storm-related insurance claims include:

Make a list of your damaged property. Photograph or videotape the damage if possible. Don’t throw away damaged items until your insurance adjuster has seen them.

Make reasonable and necessary repairs to protect your home and property from further damage. Cover broken windows and holes to keep rain out. Do not make permanent repairs before a claims adjuster inspects the damage. Keep a record of your repair expenses and save all receipts.

Ask your agent about additional living expenses (ALE). This coverage reimburses you for any necessary and reasonable increase in food or lodging expenses if you have to move while your home is being repaired.

Try to be present when the adjuster inspects your damage. You may also have your contractor present at the inspection or have the contractor review the adjuster’s report before settling the claim. Don’t accept an unfair settlement.

If you hire a public insurance adjuster, make sure the public adjuster is licensed by TDI. Public insurance adjusters work independently and charge a fee for their services. If you hire a public adjuster, keep in mind that you may have less money to repair or replace your damaged property. Public insurance adjusters must disclose their fees in the written contract with you. Make sure the public adjuster is licensed by TDI by calling TDI’s Consumer Help Line at 1-800-252-3439 or using the “Agent Search” feature on our website at www.tdi.state.tx.us .

Find a reputable contractor to make repairs. A disaster can lure crooked building contractors who try to exploit the confusion and emergency conditions and swindle you and your insurance company. Verify the contractor’s references, have a written contract before repairs begin, and pay only as the contractor completes the repairs. If you suspect fraud, please call TDI’s Fraud Hotline toll-free at 1-888-327-8818.

For More Information:

Call TDI’s Consumer Help Line (1-800-252-3439) for general insurance information or to file a complaint against an insurance agent or company.

Disaster assistance FAQs are on the web at www.tdi.state.tx.us/home/cpmMay2008storms.html.