Insurance claim facts every homeowner should know

Storm damage from hail and wind is generally classified as an act of nature. Many homeowners file weather claims without an individual rate increase, but you should always confirm specifics with your carrier.

No. TRC works directly off your insurance company’s scope, estimate, and pricing. Carrier software already reflects fair local pricing to return your home to pre-loss condition.

No—it is against Texas law for a homeowner to profit from an insurance claim. Insurance owes only what it costs to return your property to pre-loss condition.

Your deductible is the amount you’re responsible for before insurance pays. When damage is covered, many homeowners pay only their deductible for the entire project.

ACV (Actual Cash Value) is the depreciated first payment. RCV (Replacement Cost Value) is the full cost—you receive the recoverable depreciation as a final payment once the work is completed and documented.

If we discover additional damage or code-required items during construction, we document them and submit a supplement to your carrier so the full, correct scope is covered.

Many claim checks list your mortgage company as an endorsee. You’ll contact them to complete their endorsement process—every mortgage company handles this differently.

Claims have deadlines that vary by policy and storm date, so act promptly. Our free inspection helps you document damage while you’re still within your claim window.