Insurers Offer Advice to Texas Hail Victims on Claims and Fraud

AUSTIN, Texas – Many communities are now dealing with a major cleanup as violent weather ripped through Texas causing property damage to many homes due to large hail. The Property Casualty Insurers Association of America (PCI) says the first step to recovery is contacting your insurer to begin the claims process. 

“Contact your insurance company or agent through their toll free phone number, app or website. Insurers plan for catastrophes and are prepared to assist homeowners immediately,” said Joe Woods, PCI’s vice president of state government relations in Texas.

Most severe weather related events like hail and tornados are covered under either a homeowners, renters or commercial insurance policy. Renters insurance covers a policyholders’ personal possessions damaged by a tornado. Windstorm and hail damage for cars is covered by the comprehensive coverage in an auto insurance policy.

Too often shady roofing contractors, public adjusters and trial lawyers try to use these storms as an opportunity to profit off of the misfortune of storm victims. Before signing any documents related to storm damage repairs PCI encourages residents to talk with their insurance company first. Be suspicious of any contractor who tries to rush you, especially on non-emergency or temporary repairs. Always have a written, detailed contract that clearly states everything the contractor will do, including prices for labor and materials, clean-up procedures, and estimated start and finish dates. Additionally, don’t hire a contractor that requires all payments before work is completed. 

“It’s also important for homeowners to realize there are fraudsters waiting to take advantage of those who may have damage to their home and are in the process of filing a claim,” said Woods. “There is a growing problem with trial lawyers and public adjusters going door to door in many of Texas communities hit by hail storms and encouraging homeowners to sue their insurance company by telling homeowners they won’t have any legal fees. But the truth is that these lawsuits are not only costing the homeowners but they are costing their neighbor through potentially increased insurance premiums that are a result of frivolous lawsuits.”

Woods is available for media interviews,

PCI’s Hail Damage Recovery Tips:

• Secure property from further damage or theft.

• Contact your insurance agent or company representative as soon as possible to report damage.

• Inventory losses and photograph damage to provide to your insurance adjustor. Save receipts.

• If you are a business owner, keep detailed records of business activity that is negatively affected due to the severe weather it’s important to keep a list of extra expenses during the interruption. Prepare records to show the income from the business before and after the loss.

• Many standard homeowners’ and renters’ policies provide reimbursement of additional living expenses when the property is determined to be uninhabitable due to damage. This provision helps with paying for increases to necessary living expenses such as temporary housing and restaurant meals. In addition, extra expenses such as overnight parking and laundry services may also be covered. Additional living expense coverage does not pay for all living expenses, so contact your insurance company or agent for a list of what your policy will cover.

• Be careful about unscrupulous contractors following a natural disaster. Contact your insurer, agent or local business bureau for references on potential contractors and ask for certificates of liability and workers compensation before signing contracts.

PCI's Tornado Headquarters offers vital information for those impacted by tornadoes, as well as preparedness tips as we approach potentially more violent weather. Follow us on twitter @PCIAA and use #HaveAPlan as we continue to provide tips on what to do before and after violent weather.

Here’s a list of PCI Member Company Toll-Free Policyholder Claim Numbers:  http://bit.ly/PCITollFreeNumbers    

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PCI promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. PCI is composed of nearly 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write more than $183 billion in annual premium, 35 percent of the nation's property casualty insurance. Member companies write 42 percent of the U.S. automobile insurance market, 27 percent of the homeowners market, 32 percent of the commercial property and liability market and 34 percent of the private workers compensation market.

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Quick facts

Windstorm and hail damage for cars is covered by the comprehensive coverage in an auto insurance policy.
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Most severe weather like hail are covered under either a homeowners, renters or commercial insurance policy.
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Quotes

Contact your insurance company or agent through their toll free phone number, app or website
Joe Woods
It’s also important for homeowners to realize there are fraudsters waiting to take advantage of those who may have damage to their home and are in the process of filing a claim
Joe Woods