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INSURANCE
Certain damages and losses to property, vehicles and even health may be covered by insurance.
If a home owner has National Flood Insurance Program (NFIP) flood insurance and suffered damage related to Hurricane Harvey, they may be eligible to receive up to $5,000 in advance for building and contents damages prior to an adjuster’s inspection with a signed advance payment request agreement. If a policy holder has photos and receipts that support out-of-pocket expenses, they may receive an advance payment of up to $10,000. Larger advance payments may be available after an adjuster has inspected a loss. • See www.fema.gov/nfip-file-your-claim for more information about filing claims. • Call (800) 427-4661 if you are unable to locate policy information. • The NFIP Flood Insurance Claims Handbook has additional information about filing claims. • Texas Department of Insurance (TDI) has a helpful guide for filing claims. TDI - Help After Harvey NFIP POLICY HOLDERS MUST FOLLOW THEIR POLICY GUIDELINES WHEN CLEANING UP. • NFIP policies do not cover mold damage and therefore policy holders must take certain steps to prevent the growth and spread of mold. • Review the FEMA/NFIP Fact Sheet for more information: NFIP Policy Guideline Fact Sheet . WHAT IS HOUSE BILL 1774 AND TO WHAT TYPE OF INSURANCE DOES IT APPLY? • House Bill 1774 requires policy holders to provide notice before filing suit, and makes changes to the requirements for inspections related to lawsuits, recovering attorneys’ fees, and statutory penalty interest. The bill did not change the process for filing claims. • House Bill 1774 does not apply to NFIP or Texas Windstorm Insurance Association (TWIA) claims. • It does apply to claims made under an insurance policy providing coverage for real property and claims under the Fair Access Insurance Requirements Plan Association.
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