Severe Weather Damage

Property Damage

The severe weather has made an historic impact. If your home or property sustained damage or you need assistance, Texell Financial is ready to help.

You can file a claim directly with your insurance company. An email was sent to policy holders with specific contact information and current policy numbers. Please refer to your email for the most accurate information.

Here are some more tips:

  • Make a list of damaged property and take pictures or video if you can. Don’t throw anything away until you’ve consulted with your insurance company.

  • If you are unable to stay in your home because of damage, check with your insurance company. You may have coverage for living expenses.

  • It may take a while for an adjuster to get to your home because of the volume of claims that will be filed. If possible, try to lessen further damage, making sure that you and your family are protected. If you have to purchase anything to make repairs, save all your receipts.

  • Be sure to accompany the insurance company’s adjuster as they inspect the damage so nothing is missed.

  • Your contractor might find additional damage to your property after the initial inspection. Be sure to contact your insurance company before moving forward with any additional repairs so they can be approved.

  • Your insurance policy has a deductible that you’re responsible for. If you need help with your deductible, contact us and we’ll do all we can to assist you.

If you need to start a claim, please contact your insurance carrier included in your email.


Spoiled Food

Your homeowner’s or renter’s insurance coverage could reimburse you for food that spoiled while the power was out. Depending on your policy, you may be able to file a claim to recover the cost to replace food that was ruined.

The level of coverage varies by insurance company and by your policy endorsements. It’s best you talk directly with your insurance company to find out your specific coverage. An email was recently sent to policy holders with carrier contact information and policy numbers. Please refer to your email for the most accurate information.

Here are some tips on filing a claim for spoiled food:

  1. Take pictures of the spoilage.

  2. Gather receipts, if possible.

  3. Hold on to your receipts until your claim has been processed.

 

Loss of Use

Along with home and property damage, you may have expenses that could be reimbursed by “Loss of Use” coverage. Loss of Use Coverage is also known as Additional Living Expenses (ALE) coverage, or Coverage D. If you were forced out of your home by extensive damage, those expenses may be reimbursed if the loss was also covered by your insurance company. What you are covered for and how much you can claim varies by insurance company and by your policy. Contact your insurance company to find out about your specific coverage.

Here are some more tips on submitting a claim for living expenses:

  1. Collect receipts for any food you buy, both grocery and restaurant purchases.

  2. Keep your receipts for temporary lodging expenses.

  3. Did you need to board your pet? Save the receipt.


If you need to start a claim, please contact your insurance carrier included in your email.