Help With Wind and Hail Storm

You can resolve many issues by talking to your insurance company or agent. If you disagree with the adjuster's estimate, tell the company why. The company might raise the estimate if it finds out that it overlooked something or gets new information. Send the company any supporting documents, such as a contractor’s estimate for the repairs.

If you still disagree, you have several options to challenge the insurance company’s decision.

Most companies have a toll-free customer help line that is printed on your policy.You can resolve many issues by talking to your insurance company or agent. 

Your policy may include an appraisal process to resolve complaints. If you choose appraisal, you and the company each hire an appraiser. The two appraisers then choose a third appraiser as the umpire. You must pay for your appraiser and half of the umpire’s costs.

The appraisers review your claim and estimate the amount of damage. If their estimates are different, the third party umpire decides.

Check your policy for any deadlines to request appraisal. If you need help finding an appraiser, search for a “property damage appraiser” online or check with your contractor.

Some people hire public insurance adjusters to help them negotiate claims with insurance companies. Public adjusters work for you, not the insurance company and hey charge for their services. Before you hire a public adjuster, make sure you understand what you’ll have to pay.

Public adjusters must have a TDI license. To learn if a public adjuster is licensed, call their Help Line at 800-252-3439.

They can help with complaints against the insurance companies, agents, and adjusters they regulate.

• They can’t make a company pay a claim unless the failure to pay violates a law or the terms of your policy.
• They can’t settle disputes when you and the company disagree about the facts. For example, they can’t determine whether damage was caused by a storm or normal wear and tear.
• They can’t help with complaints against another person’s insurance company.

Use our online complaint system