Help After Harvey: Your Insurance Claims | Texas Department of Insurance

If your home was damaged by the hurricane or the flooding that followed, you’ve probably got questions about your insurance coverage There are three major types of policies that will cover damage to your home: Windstorm insurance, Homeowners insurance, and Flood insurance

If you live in one of the 14 counties along the coast or parts of Harris County, you probably have a windstorm policy Windstorm insurance is similar to homeowners coverage, and it covers you when the source of the damage was high winds or hail If you live farther inland, your homeowners policy will cover damage caused by wind or hail Windstorm and homeowners polices do not cover floods You need a separate flood policy for damage caused by rising water or a storm surge

Be sure to notify all your insurers about your damage and try to be there when the adjuster comes Each insurer’s adjusters will determine what damage is covered by their policy Remember to notify your auto insurer, too If you’ve got comprehensive coverage, it will cover flood and storm damage to your cars We’re here to help with your questions and claims to get the recovery process started as soon as possible

Our Consumer Help Line 1-800-252-3439

Source: Youtube

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