TEXAS HOMEOWNER INSURANCE CLAIM RESOURCESPlain English, from attorneys who've seen both sides.
FEATURED GUIDES
Denials · 8 min read
HOMEOWNERS INSURANCE CLAIM DENIED IN TEXAS? 6 STEPS TO TAKE NEXT
How to read the denial letter, rebuild the record, protect your deadlines and choose your next move.
Read the guide →
Storms · 9 min read
HURRICANE, WIND & HAIL DAMAGE CLAIMS IN HOUSTON
The first 48 hours, which policy pays, wind and hail deductibles, older roofs and weather-claim deadlines.
Read the guide →
Your rights · 10 min read
YOUR RIGHTS UNDER TEXAS INSURANCE LAW
Prompt payment deadlines, the 18% penalty, unfair practices and the 61-day rule.
Read the guide →
Disputes · 9 min read
INSURANCE APPRAISAL IN TEXAS
How appraisal works, when it helps, and what it can cost you.
Read the guide →
Water · 7 min read
WATER DAMAGE & SLAB LEAK CLAIMS
The five denials we see most, and what to do in the first 72 hours.
Read the guide →
Free tool
CLAIM DEADLINE CALCULATOR
Enter your date of loss and see your key Texas deadlines.
Find my deadlines →
MORE GUIDES coming soon
Each topic gets its own page, built around a question homeowners actually search for.
Coming soonDepreciation explained: actual cash value vs. replacement cost
Coming soonHail damage and roof claims: "cosmetic" vs. functional damage
Coming soonExamination under oath: what to expect
Coming soonHurricane deductibles in Texas, explained
Coming soonFire and smoke claims: rebuild costs and contents
Coming soonAfter a car accident in Texas: the first 72 hours
CLAIMS GLOSSARY
The terms you'll see in your policy and your adjuster's letters, in plain English.
- Actual cash value (ACV)
- The cost to replace damaged property, minus depreciation.
- Replacement cost value (RCV)
- The cost to repair or replace with like kind and quality, without subtracting depreciation.
- Recoverable depreciation
- Money held back on a replacement-cost policy until repairs are completed, usually within a deadline.
- Appraisal
- A policy process for settling disputes over the amount of a loss, using two appraisers and an umpire.
- Declarations page
- The summary of your coverages, limits and deductibles at the front of your policy.
- Proof of loss
- A sworn statement of what you're claiming and why, sometimes required by a deadline.
- Examination under oath
- Sworn questioning by the insurer's attorney, which many policies allow the insurer to require.
- Endorsement
- An add-on that changes your policy's coverage, such as roof or water-damage limits.