What to Do After Property Damage in Texas or Florida

Before anything else, make sure everyone is safe. If there is structural instability, gas odor, electrical hazards, or standing water near electrical sources, evacuate and contact emergency services. Do not re-enter until the property is confirmed safe by qualified personnel.

Your policy likely requires you to take reasonable steps to prevent additional damage after a loss. This may include tarping a damaged roof, boarding broken windows, shutting off water to a leaking pipe, or covering exposed areas. Keep receipts for any temporary repair materials — these costs may be reimbursable under your policy. Do not make permanent repairs until the carrier has inspected the damage, unless delay would cause further harm.

Take clear, well-lit photographs and video of all affected areas before any cleanup or temporary repairs. Capture wide shots to show context and close-up shots to show detail. Document the date and time of each photo. If water damage is involved, photograph moisture-affected materials, standing water, and any visible mold or staining. This documentation creates a contemporaneous record that may be valuable throughout the claim process.

Keep every receipt related to the loss: temporary repairs, hotel stays if displaced, meals if the kitchen is unusable, and any emergency supplies. Organize them by date and category. Many policies include coverage for additional living expenses and reasonable temporary repairs, but reimbursement requires documentation.

Locate your policy declarations page and review your coverage limits, deductibles, and any applicable endorsements or exclusions. Note whether your policy includes replacement cost coverage or actual cash value coverage, as this affects how depreciation is applied. Understanding your deductible — particularly whether a separate wind, hail, or hurricane deductible applies — sets realistic expectations for any potential recovery.

Most policies require prompt notification of a loss. Contact your insurance carrier or agent to report the claim. Provide basic facts: date of loss, type of damage, and a general description. Avoid speculating about cause or dollar amounts in the initial call. Request a claim number and the name and contact information of the adjuster assigned to your file. Follow up in writing if possible.

Create a simple claim file. Include your policy documents, claim number, adjuster contact information, a log of every phone call and email (date, time, who you spoke with, and what was discussed), copies of all correspondence, estimates you receive, and your own photos and documentation. An organized file helps you track progress and spot gaps or delays.

If your claim involves significant damage, a large loss, a disputed scope, a denial, or an offer that appears lower than expected, you may benefit from a professional claim review by a licensed public adjuster. A public adjuster works for the policyholder, not the insurance carrier, and can assist with documenting the full scope of damage, preparing a detailed estimate, and communicating with the carrier on your behalf. Representation begins only after the applicable public adjuster contract is signed. White Rock Public Adjusting, LLC is a licensed public adjusting firm serving Texas and Florida policyholders.