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.
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
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.
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.”
The Texas Coastal Outreach and Assistance Services Team (PDF) can help people who have policies through the Texas Windstorm Insurance Association:
Questions? Call us at 800-252-3439.