Texas · Notice, photos, then the deductible
A homeowners claim pays a covered cause of loss, minus the deductible. It is not automatic. This page will not invent a prompt-payment day count.
Make the house safe, photograph the damage before you throw anything out, and do the temporary work that stops it from getting worse, such as a tarp or water extraction. Keep the receipts. Open the claim with the company and give a written list of what was damaged. Texas Insurance Code chapter 542 is the prompt-payment statute. The number of days depends on the section and on what the company still needs. Read the statute rather than a round number from a blog. Your duties are in the policy: notice, cooperation, and not throwing out damaged property the adjuster still needs to see.
What you bought: buying the policy and Texas homeowners. The water that is not this claim: flood. After a storm: TDI storm help. A complaint, after the claim file is in writing: TDI complaint form.
