Insurance Claim Assistance in Kemah, TX

Many Kemah homeowners carry three separate types of coverage, and each one handles a different kind of loss:

• Homeowners policy: often excludes wind and hail in coastal Galveston County and covers other perils
• Windstorm policy: covers wind and hail damage, frequently with a separate, percentage-based deductible
• Flood policy: covers rising water and storm surge, which windstorm and homeowners policies generally exclude

Read your declarations pages before hurricane season, not after. Knowing which carrier to call and what each deductible is will save you time and frustration once a storm has passed.

After a major storm, a Kemah home can have wind damage and flood damage at the same time, and the two claims are usually handled separately. Our job is to document the wind side carefully: shingles torn or lifted from the roof, damaged flashing, broken windows, siding blown off the walls, and the interior water that came in through those openings from above. Clear photos with dates and locations help each adjuster see what belongs on their claim.

Living by the bay ages a house in ways that adjusters recognize. Rusted fasteners, pitted flashing, and siding that's faded or chalky from years of salt spray are usually treated as wear and tear, not storm damage. A claim that mixes the two invites a denial. When we inspect, we separate what the storm caused from what time and salt air caused, and we tell you honestly where that line falls. That honesty makes the legitimate part of your claim stronger.

One of the most useful things a Kemah homeowner can do costs nothing. Each spring, before hurricane season starts in June, photograph every side of the house, the roof from the ground or a drone if you have one, the windows and doors, and the inside of the attic. Store the photos somewhere off-site, such as a cloud account. If a storm hits, you'll have clear before-and-after evidence. We're happy to do a pre-season inspection and give you a written condition report as well.

After a storm, it's natural to want the soggy drywall, carpet and insulation out of the house right away, and drying the home quickly does matter in Kemah's humidity. Just document first. Photograph every room before anything is removed, keep a small sample of damaged materials such as a piece of carpet or a cut of drywall, and write down the date and time of each cleanup step. If you hire a water mitigation company, ask for their moisture readings and drying logs. Adjusters often arrive days or weeks later, and those records show what they would have seen on day one.

Protect the house

We arrange temporary protection for openings in the roof or walls so rain doesn't keep getting in. Keep the receipts, since emergency mitigation is usually part of the claim.

Inspect and document

We photograph and measure the roof, exterior walls, windows, gutters and any detached structures, then write a repair scope that reflects what's actually needed.

Meet the adjuster

We can be on site for the adjuster's inspection to point out the damage. If the estimate leaves something out, we provide supporting documentation for your carrier to review.

Rebuild for the coast

We complete the approved repairs with materials suited to salt air, coordinate any windstorm inspections the work requires, and give you the paperwork your carrier needs to close the claim. For a full roof, that means a roof replacement installed for coastal wind.

If a claim is denied, read the reason in the letter carefully. We can gather more documentation for a re-inspection request. For coverage disputes, a licensed public adjuster or attorney can advise you, since Texas doesn't allow contractors to act as adjusters.

Learn more about our claim assistance across Texas and our storm damage repair work, or call 832-691-1917 to book a free inspection in Kemah.