Dealing with Insurance Companies After a Hurricane

Hurricanes are a devastating natural disaster that can leave a trail of destruction in their wake. For Texans, dealing with the aftermath often includes navigating the complex process of insurance claims. Understanding how to effectively handle insurance companies can make a significant difference in your recovery process. In this blog, we’ll provide a comprehensive guide on dealing with insurance companies after a hurricane, ensuring you get the compensation you deserve.

Understanding Your Insurance Policy

Before a hurricane strikes, it’s crucial to understand your insurance policy. Your policy documents outline what is covered, what is excluded, and the process for filing a claim. Here are some key points to check:

  1. Coverage Limits: Understand the maximum amount your insurance will pay for different types of damage.
  2. Deductibles: Know your deductible amounts for hurricane-related damages.
  3. Exclusions: Be aware of what is not covered under your policy.

For more detailed information, you can refer to the Texas Department of Insurance’s guide.

Immediately After the Hurricane

Once the hurricane has passed and it is safe to return to your property, take the following steps:

  1. Document the Damage: Take clear, detailed photographs and videos of all damage before making any temporary repairs. This documentation will be essential for your claim.
  2. Temporary Repairs: Make only necessary temporary repairs to prevent further damage. Keep all receipts as these expenses may be reimbursed.
  3. Notify Your Insurance Company: Contact your insurer as soon as possible to start the claims process.

Filing Your Insurance Claim

Filing an insurance claim can be a daunting task. Here’s how to approach it:

  1. Report the Claim: Provide all necessary information to your insurance company, including your policy number, a detailed description of the damage, and any temporary repair receipts.
  2. Adjuster Inspection: An insurance adjuster will inspect the damage. Accompany them during the inspection to ensure nothing is overlooked.
  3. Keep Detailed Records: Maintain a file with all correspondence, claim forms, and receipts. Document every interaction with your insurance company.

For guidance on the claims process, visit the National Flood Insurance Program (NFIP).

Dealing with Insurance Adjusters

Insurance adjusters assess the damage and determine the payout amount. Here are some tips for dealing with adjusters:

  1. Be Prepared: Have all your documentation ready, including photos, videos, and receipts.
  2. Be Honest: Provide accurate information about the damage. Do not exaggerate or omit details.
  3. Ask Questions: Clarify anything you do not understand about the process or your policy coverage.

If you encounter issues, the Texas Department of Insurance offers resources and support for policyholders.

Disputes and Denials

If your claim is denied or you disagree with the payout, you have options:

  1. Review the Denial: Understand the reasons for denial and check them against your policy.
  2. Submit a Rebuttal: Provide additional documentation or clarification to support your claim.
  3. Seek Legal Advice: If you are not satisfied with the resolution, consider consulting an attorney specializing in insurance disputes.

Ryan Orsatti Law has extensive experience in handling insurance disputes and can provide the legal support you need.


Dealing with insurance companies after a hurricane can be stressful, but being informed and prepared can make the process smoother. Remember to document everything, understand your policy, and do not hesitate to seek professional help if needed. For more information on your rights and assistance with claims, contact Ryan Orsatti Law.