Initial Response Phase: 24 to 48 Hours

After you file your claim, most insurance companies will acknowledge receipt within 24 to 48 hours. You will receive a claim number and be assigned an adjuster. During this phase:

• The insurance company acknowledges your claim in writing or by phone
• You receive your claim number and adjuster contact information
• Texas law gives insurers up to 15 days to acknowledge a claim, but most respond much faster after major storms
• You can begin temporary repairs immediately to prevent further damage
• Keep all invoices and receipts for any temporary work you do

Inspection Phase: 1 to 2 Weeks

The adjuster will contact you to schedule a property inspection. In normal conditions, the adjuster visits within 1 to 2 weeks of your claim being filed. After a widespread disaster, this can stretch to 3 or 4 weeks.

• The adjuster inspects the damage and documents the scope of loss
• You should be present during the inspection to point out all damage
• The adjuster may take photos, measurements, and use estimating software
• Some insurers use desktop adjusters for minor claims and may not visit in person
• Provide your own contractor estimate if you have one for comparison

Settlement Phase: 2 to 4 Weeks

After the adjuster completes their inspection, they prepare a settlement estimate. Texas law gives insurers up to 15 business days to accept or reject your claim after completing the investigation. Most settlements arrive within 2 to 4 weeks.

• The insurer sends you a settlement offer or a denial letter
• If approved, you receive the actual cash value (ACV) payment minus your deductible
• You can negotiate if the offer does not cover your full loss
• Supplemental claims can be filed if additional damage is discovered during repairs
• Payment for replacement cost value (RCV) comes after repairs are completed