Claim Process Navigator

Step-by-step guidance through your claim

Current Step

Meet with Adjuster

Schedule and prepare for the insurance adjuster inspection

Claim Roadmap
Track your progress through the property claim process

Report the Damage

Contact your insurance company within 24-48 hours of discovering damage

Document Everything

Take photos/videos of all damage before any cleanup or repairs

Mitigate Further Damage

Take reasonable steps to prevent additional damage (temporary repairs OK)

4

Meet with Adjuster

Current

Schedule and prepare for the insurance adjuster inspection

5

Get Contractor Estimates

Obtain 2-3 independent repair estimates from licensed contractors

6

Review Initial Offer

Carefully review the insurance company settlement offer

7

Negotiate or Appeal

Challenge lowball offers with documentation and expert support

8

Final Settlement

Accept fair settlement and begin repairs

Important Deadlines

Report within 24-72 hours of loss

Critical

Proof of loss typically due within 60-90 days

Suit limitation typically 1-2 years from loss

Critical
Meeting Preparation

Prepare for your upcoming adjuster meeting with our comprehensive guide.

Texas Regulations

Texas law requires insurers to acknowledge claims within 15 days and make decisions within 45 days.