As a Texas insurance agent I found that many people had questions about how to file a claim with the Texas Windstorm Insurance Association (TWIA) after hurricane IKE.
I hope that you never have to make a claim for damages. In case you do need to report a TWIA claim here are some suggestions:
* When you get a TWIA policy review your coverage and options before a disaster happens. Things to discuss with your agent include; do you have a high enough limit, are you happy with your deductable selection, is your personal property (contents) covered, have you selected the wind driven rain option, and have you selected the replacement cost valuation option. Also your TWIA policy will not cover flood damages, do you have a separate policy for that?
* In the event of a natural disaster your personal safety should be the most important consideration. Do not endanger your safety to try and recover or protect property!
* Go to the TWIA website and read the policyholder section under the “File a Claim” tab. There is information listed there for the claims process. You will also see some suggestion such as taking pictures of the damage, taking action where possible to prevent further damage, but not making and permanent repairs until instructed to do so by the assigned adjuster.
* You have three options for reporting your claim. You can call the agent that sold you the policy, you can report the loss/claim directly to the TWIA at 800-788-8247, or you may get a claim form at: www.twia.org ; click the “file a claim button”, and then the “TWIA Loss Notice Form Button”; fax the form to 512-899-4953.
* Regardless of the method selected it is suggested to get a copy of the claim form so you will know what information is needed to file your claim (it is very simple).
* You may want to print this article and put it with your policy.
As disclaimer this article is written by an independent agent and not a representative of the TWIA. Rules and procedures may change so contact the TWIA for the most recent rules and polices.
Article by Glenn Lamb
Lamb Insurance Agency, (TWIA Texas – Windstorm Insurance, Farmers, Foremost, Voyager, and Pacific Insurance) Auto, Home, Mobile Home, Life, and Windstorm Insurance for Texas – Texas Windstorm Insurance.
Also visit our insurance site at Windstorm Insurance Texas Agency.
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