Check Your Insurance Policy
Before filing a claim, review your homeowner’s insurance policy to determine if earthquake damage is covered. Standard home insurance policies in Texas do not typically include earthquake coverage. If you have a separate earthquake insurance policy or an endorsement, verify the terms, coverage limits, and deductible.
Assess and Document the Damage
After ensuring your safety, inspect your home for damages caused by the earthquake. Take clear photos and videos of all affected areas, including structural damage, cracks in walls or foundations, broken furniture, and damaged personal belongings. Create a detailed inventory list of damaged items and gather any receipts or proof of purchase if available.
Contact Your Insurance Company
Notify your insurance provider as soon as possible. Most insurers have a specific time frame within which claims must be filed after a disaster. Provide them with your policy number and a brief description of the damage. They will guide you through the next steps and the required documentation.
Fill Out the Claim Forms
Your insurance provider will provide the necessary paperwork that needs to be completed accurately. Be sure to include all necessary details about the damage, estimated repair costs, and supporting documentation such as photos, videos, and receipts. Submit the completed forms within the specified deadline.
Schedule an Inspection with an Adjuster
The insurance provider will send an adjuster to assess the extent of the damage. Be present during the inspection and provide all collected evidence, including before-and-after photos if available. If possible, have a contractor provide an independent repair estimate to compare with the insurance adjuster’s assessment.
Obtain Repair Estimates
Get quotes from licensed contractors for necessary repairs. These estimates will help negotiate with the insurance company if the settlement offer seems insufficient. Be sure that any contractor you hire is reputable and experienced in earthquake damage repairs.
Review the Settlement Offer
Once the adjuster submits their report, your insurer will provide a settlement offer based on the coverage terms. Carefully review the offer to be sure it covers the necessary repairs and replacements. If the amount is lower than expected, you can negotiate with additional evidence or request a reevaluation.
Make Repairs and Keep Records
Once the claim is approved, use the settlement funds to complete repairs. Keep all receipts and invoices for labor and materials as proof of expenses. Some insurers may require documentation showing that repairs were completed according to the claim.
Appeal if Necessary
If your claim is denied or the settlement is inadequate, you have the right to appeal. Review the denial letter to understand the reason and provide any additional evidence that supports your claim. You may also seek legal counsel or contact the Texas Department of Insurance for direction.
Filing an earthquake insurance claim in Texas can be a complex process, but following these steps will help ensure a smoother experience and a fair settlement.