Hurricane Harvey Flood Waters

 

United Policyholders offers this free Hurricane Harvey Claim Help Library as an information and trouble-shooting resource for households and businesses, advocates, elected officials and journalists. The Library builds on our many years of experience answering technical and legal questions related to insurance and consumer rights and improving post-disaster outcomes for individuals and communities through our Roadmap to Recovery™️ program.

The main goal of the library is to help people and businesses get fair, full and timely insurance claim settlements in order to repair, rebuild and resume operations after a disaster.  The library will also track news, litigation, legislative and marketplace developments, issues and statistics in the aftermath of a very large disaster.  

By browsing the library, you accept, without limitation or qualification, these Terms of Service.

Home and Business Resources

Homeowners/Renters Tips and Info

Insurance policies are legal contracts, so legal rules come into play when you file a claim after a loss. If you arm yourself with basic knowledge about your rights and the claim process, you can speed up your settlement and improve your odds of getting paid what you’re owed.

Evaluating the causes of a loss and putting price tags on property damage and repairs is not an exact science.  It’s very common that inspections and estimates are incomplete, and reports are just plain wrong.  Finding and hiring reputable and experienced professionals to inspect your property and write up their findings is an essential step toward resolving a flood insurance dispute.
 

This Roadmap to Recovery publication offers general guidance and answers to common questions people ask after a loss when they are dealing with an insurance company or adjuster. Rules and procedures vary state-to-state and company-to-company. This publication is applicable to residents of the State of Texas.

Filing a claim? These claim tips will help you get the best results.

Communicating with your insurance company is an incredibly important part of the claims process. The insurance company may try to handle your claim by telephone, with no records. However your claim is handled, you must make sure that everything gets documented in writing. How you communicate makes a world of difference in the amount of benefits you collect and how fast you collect them.

If you have property damage, these FAQs will help you with some common challenges.

A few insurers sell expensive home policies that cover flood damage, but most property owners who want flood protection have to buy it through the National Flood Insurance Program ("NFIP").  Flood insurance is available through the NFIP to anyone who lives in a community that is in compliance with federal storm water and flood plain management rules.  Condo and homeowners can buy NFIP insurance for their structures and contents.  Renters can buy NFIP flood insurance for their contents. 

 

Your flood damage and costs to repair/replace should be fully documented and described in detail in a complete Proof of Loss package...

Flood insurance policyholders who may still be owed insurance money are strongly advised to complete paperwork and file claims ...

Learn more about Flood Recover with our tips for consumers.

Stay up to date on legal issues that affect both homeowner and commercial policyholders in the aftermath of Hurricane Harvey.

A challenging issue many policyholders will also need to consider is whether there was a single or multiple occurrences (or events) due to...

Business Owners Tips and Info

Basic tips for business owners.

Stay up to date on legal issues that affect both homeowner and commercial policyholders in the aftermath of Hurricane Harvey.

A challenging issue many policyholders will also need to consider is whether there was a single or multiple occurrences (or events) due to...

Other Resources

Media Coverage

United Policyholders Offers Texans Free Home Inventory App, Provides Guidance to Residents for Before and After the Storm

SAN FRANCISCO...

If the aftermath of past hurricanes is any indication, many Texas homeowners will have to do battle with their insurance companies when Harvey...
Hurricane Harvey has set a U.S record, according to the National Weather Service, dumping 51.88 inches of rain in parts of Texas. As the...
Sure, you have homeowners insurance, but there's a good chance you don't have enough. CoreLogic says 1 in 4 homes are underinsured by at least...

Harvey and Irma could trigger requirement that homeowners pay percentage of insured value of property. Tens of thousands of homeowners hit by...

Storm Facts and Statistics

While estimates of total insured losses remain in flux, it is clear that Hurricane Harvey has caused considerable damage in Texas. We expect...

Reform Proposals

Larry Blair of San Mateo buys flood insurance only because his lender requires it, and for years he thought his only option was the National...

Additional Help Resources

The National Flood Insurance Program encourages communities to adopt and enforce floodplain management regulations in order to help provide...

Read this publication by Reed Smith LLP and Texas Young Lawyers Association to learn more about how FEMA coordinates the federal government’s role...


We thank our Hurricane Harvey Claim Help Library volunteers and sponsors: Reed Smith and Gauthier Houghtaling, LLC