Q: How Do I File a Flood claim?
A: Your flood insurance policy is your first line of help after a flood. FEMA can provide some additional information for losses not covered by your flood insurance policy, including temporary housing and repair assistance. To register, please call 1-800-621-FEMA (3362)/1-800-462-7585 (TTY) or visit their website
We urge you to register for FEMA assistance as soon as possible to gain access to important resources as the waiting list may be longer with the potential impact of additional rain or storms.
Q: Will the insurance claims processes change under the (HB 1774) bill that was passed in the Texas Legislature September 2017?
A: The new law adds checks and balances to the system to prevent lawsuits from third parties and not the process for how policyholders file claims. Please find additional details in the article below:
Q: Do I still need to pay my home, condo or renters insurance premiums after the hurricane?
A: Yes, you will need to keep your current policy active as it could provide coverage for liability, vandalism, theft, fallen tree, fire, or other covered perils as defined in the policy. Your mortgage company, bank or lender will still require you have home insurance if there in loan on the property.
Q: If I move to a temporary residence do I need to purchase another policy?
A: Maybe. Some homeowners policy can extend liability coverage and contents coverage to a temporary residence subject to the policy’s terms. Please contact your agent to add a temporary location to your policy and check to see if you can extend liability. If your circumstances change, and the temporary residence becomes a permanent residence please contact your agent.
Q: Some landlords are requiring proof of insurance while in temporary housing.
A: You can provide evidence of insurance by having your agent amend the current policy and adding the temporary location. A landlord can also be listed as an additional interest if requested. Additional interest status means that the landlord will be notified if the insurance policy is cancelled.
Q: How can I help support those impacted by the flood?
A: Austinot and Houston Chronicle have compiled a list of resources and we have shared below. As a reminder, the community will still be rebuilding and the need for support will continue many months down the road. If you are interested in volunteering the Red Cross has an application process to complete and validate individuals to assist.
Our hearts go out to those affected by Hurricane Harvey. Please support our fellow clients, friends and family impacted by the storm by dropping off non-perishable good at one of the linked locations, signing up to volunteer, or donating as you feel lead to do so.