If your home has been severely damaged by a Texas storm, you may need to make a total loss insurance claim. Total loss insurance claims can be complicated, and it’s important to get help from a Texas insurance attorney to make sure you’re getting the coverage you deserve.

Keep reading to learn more about total loss insurance claims and how to get the most out of your total loss home insurance claim.

What Is a Total Loss Insurance Claim?

A total loss insurance claim is a claim in which the cost of repairing the house to its condition before the damage would cost more than the total value of the home. Some potential causes of total loss home insurance claims are fires, floods, and hurricanes. Different policies may pay out different amounts for total loss claims with some policies paying out more than 100% of the actual value of the home to cover the cost of rebuilding.

How To Get the Most Out of a Total Loss Insurance Claim

Getting the most out of your total loss claim isn’t easy, but there are a few steps you can start taking after your home has been damaged by a storm to protect your coverage:

1. Make Temporary Repairs — If you can safely do so, use tarps to cover holes in the roof and broken windows, shut off water to burst pipes, etc.

2. Gather Evidence — If you can safely do so, take photos of the damage.

3. Maintain Documentation — Keep all your receipts if you need to move out or pay for emergency repairs.

4. Make an Inventory of Losses — Make a list of the valuables you lost, including their approximate value.

5. Make a List of Damages — Document all the damage to your home for which you want to make a claim.

6. Get a Professional Inspection — Don’t rely on your own estimates and judgments; get help from a professional.

7. Get Quotes — Get detailed quotes for repairs by contractors.

8. Get Help From an Insurance Attorney — You will need to review your insurance company’s value estimates and coverage proposal to ensure you’re getting fair coverage. An insurance attorney can make sure it’s a fair deal.
   

Remember, filing a claim is only the start of getting coverage. To determine what you’re owed and how to get it, you should consider consulting with an insurance attorney.

Get the Storm Damage Coverage You Deserve With a Texas Storm Damage Attorney

The steps above are just the beginning of the process when it comes to getting the most out of your total loss claim. You’ll also need to negotiate with your insurance adjuster to make sure you’re getting paid what your home was actually worth. 

If you feel your total loss insurance claim is being wrongfully unvalued, delayed, or denied, you can reach out to a Texas bad faith insurance attorney for help getting the compensation you deserve.

If your insurance company is treating you unfairly, reach out to a Texas bad faith insurance attorney for help fighting back.

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