Before any repair work begins, walk around your property and take photos of the damage. Sometimes you may find something that you weren’t aware of before, and it helps us process your claim more quickly if we see your documentation. It also helps to take a personal property inventory — write down what you have and what is damaged. You can download a form to use here.
Keep any damaged property until the field adjuster sees it and approves of disposal. Do NOT repair, replace, or dispose of any damaged items before first discussing it with a claims examiner.
Keep invoices and receipts for your temporary repairs. If your loss is covered by the policy, reasonable costs for temporary repairs may be covered.
Temporary repairs include:
- Covering openings with tarp or plastic to prevent additional water damage
- Removing trees from a structure covered by the TWIA policy
- Boarding up windows and doors
- Drying out water damaged and we areas immediately with fans, if possible
- Interior water removal
- Removal of soiled carpet and sheetrock
- Roof tarping
- Restoration of utility services
Do not make permanent repairs, such as a roof replacement or asphalt patches, until the adjuster has made an inspection. The adjuster needs to be able to see the damage and determine if it is from wind or hail.
Whether or not you ultimately have a covered claim, you may need to make permanent structural repairs to your property. To be eligible for insurance through TWIA, many structural repairs must be certified by a Texas Department of Insurance (TDI) appointed qualified inspector or by a Texas licensed professional engineer.
Certificates of Compliance (WPI-8, WPI-8-E, or WPI-8-C) certify compliance with the applicable windstorm building code for the area. Without a Certificate of Compliance, TWIA lacks evidence that the structure conforms to the applicable building code, and the structure may be considered ineligible for coverage with TWIA. The WPI-8 certification inspections are done before and during the repair process, if completed by a TDI inspector. Learn more about Certificates of Compliance.