Disasters: how to prepare and recover

Disaster preparation

When preparing for a disaster, don’t forget to make sure your home, property and auto insurance policies are in order.

Go to our Before the storm web page to learn how to prepare for a disaster and make sure you have the right type of insurance.

Help after the storm

Visit our Help after the storm page for information to help you recover and rebuild. Topics include:

Filing a claim and what to expect
Frequently asked questions
Options if your insurance isn’t paying enough or denies a claim
When repairs need a windstorm inspection
How to avoid contractor scams

Our role during a disaster: how we help

We send investigators to areas hard-hit by storms to help deter fraud, which can range from shoddy repairs to price gouging. In the worst cases, contractors may simply take your money and run.

We also help make sure Texans get fast and fair service from their insurance companies. During a disaster, this includes helping storm victims by:

Finding contact information for their insurance companies.
Answering questions about insurance.
Explaining the insurance claims process.
Resolving problems or complaints about an insurance company, agent, or adjuster.

Texas Windstorm Insurance Association

The Texas Windstorm Insurance Association (TWIA) offers insurance policies to those who are unable to get insurance through regular insurance companies. Learn more about Windstorm insurance in Texas.

TWIA offers coverage for wind and hail damage in certain Texas coastal areas.

To buy a TWIA policy, most homes and properties must have a certificate showing that it can withstand high winds and hail. Learn more and get resources in our tip sheets, “What is windstorm insurance” and “What you need to know about windstorm inspections.”

Insurance help for people on the Texas coast

The Texas Coastal Outreach and Assistance Services Team (PDF) can help people who have policies through the Texas Windstorm Insurance Association: