Frequently Asked Questions

Property Insurance Basics

Q: What does my property insurance policy typically cover?
A: Most policies cover your home's structure (roof, walls, foundation), personal belongings, liability, and temporary housing if your home becomes uninhabitable due to a covered event like a fire or storm.

 

Q: Does my homeowner’s policy cover flood damage?
A: No. Standard property insurance does not cover flood damage. You need a separate flood insurance policy through the NFIP or a private provider.

 

Q: What is a deductible and how does it work?
A deductible is the amount you pay out of pocket before insurance covers the rest. Some policies have separate deductibles for wind, hail, or hurricane damage, especially in Texas.

 

Flood Insurance

Q: Do I need flood insurance if I’m not in a high-risk area?
A:Yes, it’s recommended. Over 25% of flood claims come from homes outside high-risk zones. Flooding can happen due to heavy rain, drainage issues, or sudden storms.

​

Q: How much does flood insurance cost?
A: It depends on your flood zone, home value, elevation, and whether you’re using NFIP or a private provider. Policies typically range from $400–$1,500 per year.

​

Q: Is there a waiting period for flood insurance?
A: Yes, most flood insurance policies have a 30-day waiting period before coverage takes effect — so don’t wait until a storm is approaching to buy it.

 

Insurance Claims & Denials

Q: My insurance company denied my claim. What can I do?
A:We connect homeowners with partner attorneys who can review your denial and help you understand if it was justified or if you have grounds to appeal.

 

Q: Can I negotiate with my insurance company myself?
A:While you can, it can be overwhelming. Our team helps you understand the process and get organized, and our partners may assist with legal or contractor support where needed.

 

Q: How long does the insurance company have to respond to my claim?
A:In Texas, insurers must:

• Acknowledge your claim in 15 days

• Approve or deny within 15 business days after receiving all documentation

• Pay approved claims within 5 business days of notice

 

Legal & Contractor Support

Q: Are you a law firm?
A:No. We are not a law firm and do not offer legal advice directly. All legal guidance is provided through our network of licensed partner attorneys.

 

Q: How do you vet your contractors?
A:We work with trusted contractors who are licensed, insured, and familiar with TDI-approved standards, especially for coastal and high-wind areas.

 

Q: What’s a WPI-8 Certificate and do I need one?
A:If you live in certain Texas coastal counties, you may need this Certificate of Compliance to confirm that your roof repair meets building codes. It can affect your insurance eligibility and coverage.

 

Free Property Damage Assessments

Q: What’s included in the free assessment?

A:

• A visual inspection of your property

• Documentation to support your insurance claim

• Guidance on next steps

• Optional referrals to trusted contractors or partner attorneys

 

Q: Is there any obligation or cost?
A:No. Our assessments are completely free and come with no pressure or commitment to use additional services.

 

Q: How do I schedule an assessment?

A:You can fill out the short form on our website or click below to request a time:
Schedule My Free Property Damage Assessment

 

TDI (Texas Department of Insurance) Tips

Q: How do I file a complaint against my insurance company?
A:You can contact the Texas Department of Insurance (TDI) at www.tdi.texas.gov or call 1-800-252-3439.

 

Q: Where can I find TDI-approved roofing materials and contractors?
A:Visit tdi.texas.gov/wind/prod/index.html to search for approved products and materials for roofing in high-wind or coastal regions.

 

Storm Preparedness

Q: How can I know if my area was impacted by a storm?
A:We provide tools that show recent storm activity by ZIP code and can help assess whether your property was affected—even if damage isn’t visible yet.

 

Q: How many types of property damage do you assess?
A:We help homeowners who have experienced:

• Wind/Hurricane Damage

• Hail Damage

• Fire/Smoke Damage

• Water or Flooding

• Structural Damage