Your Storm Damage Claim Was Underpaid. Here's What to Do in Texas.
It happens more often than most people realize. A homeowner files a claim, an adjuster comes out, and a check arrives that doesn’t come close to covering the actual cost of repairs. Sometimes the homeowner doesn’t find out until they’re mid-renovation and the estimates start coming in higher than the payout.
If you’re a Texas homeowner who suspects your storm or water damage claim was underpaid, here’s what you need to know.
Signs Your Claim May Have Been Underpaid
- Contractor estimates significantly exceed your adjuster’s scope
- Interior damage connected to a roof or window breach wasn’t included
- Code upgrade costs weren’t factored into the repair estimate
- A second damage area was discovered after the original claim closed
- The adjuster’s line items don’t match current labor and materials costs in your area
What You Can Do
In Texas, you have several options when you believe a claim has been underpaid:
Request a re-inspection. You can ask your insurance company to send a different adjuster for a second look. Having a contractor’s independent scope in hand when you make this request significantly strengthens your position.
File a supplement. If additional damage has been identified — or if repair costs have been documented to exceed the original estimate — a supplement can be filed to increase the claim payout. This is standard practice in the restoration industry, and a contractor experienced in insurance claims can prepare and submit the supplement on your behalf.
Hire a public adjuster. A licensed public adjuster in Texas works exclusively for the homeowner, not the insurer. They can review your claim and advocate for a more complete settlement.
File a complaint with the Texas Department of Insurance. If you believe your claim was handled in bad faith, the TDI has a formal complaint process.
Timing Matters
Most homeowner policies have deadlines for reopening or supplementing a claim. The sooner you act after identifying an underpayment, the more options you have. Don’t wait until the renovation is complete.
Ready to make sure your claim is handled right?
Legacy Home Pro handles damage documentation, thorough scope review, and full renovation — so you don’t leave money on the table. Call or text Edward Carel at Legacy Home Pro in McKinney, TX, or visit legacyhomepro.com for a free damage assessment.
Request a Risk-Free Assessment with Legacy Home Pro
Call or text Edward Carel at Legacy Home Pro in McKinney, TX, or visit legacyhomepro.com for a free damage assessment.
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