Insurance appraisal in Houston.
Houston property owners deal with more than their share of severe weather. Hurricane Harvey, the May 2024 derecho, and Hurricane Beryl all left thousands of Houston-area homeowners and businesses arguing with their insurance companies over what the damage was actually worth.
Common Houston claims
Hurricane, wind & water claims for homes and businesses.
- Hurricane & tropical storm damage
- Wind-driven rain & interior water
- Plumbing leaks & water damage
What we see on Houston claims.
Hurricane & tropical storm damage
Wind-torn roofs, blown-off siding, broken fences, and water that gets in through storm openings. Carrier estimates often price patch repairs where a full replacement is needed.
Wind-driven rain & interior water
Once the roof or windows are compromised, drywall, insulation, flooring, and cabinets follow. These interior line items are some of the most commonly underpaid parts of a Houston claim.
Plumbing leaks & water damage
Slab leaks, supply-line failures, and water heater bursts can mean mold remediation, drying equipment, and tear-out that never made it onto the first estimate.
Local considerations
Flood damage from rising water is usually covered by a separate flood policy, not your homeowners policy. Appraisal applies to disputes over the amount of a covered loss. If your claim involves both wind and flood, we'll help you sort out which damage belongs to which policy before you invoke appraisal.
Areas we serve near Houston
The appraisal process.
Free expert evaluation
Send us the carrier's estimate, your photos, and any contractor bids. We'll tell you honestly whether appraisal is worth it.
Invoke appraisal
You demand appraisal in writing under your policy and name us as your appraiser. The insurance company names theirs.
Estimate & negotiate
We inspect the property, build a detailed line-item estimate, and work through the differences with the carrier's appraiser.
Award
If the appraisers agree, an award is signed. If not, an umpire decides. An award signed by any two of the three sets the amount of loss.
Houston appraisal questions.
Does appraisal work for hurricane claims in Houston?
Yes. If your insurer accepts that the wind damage is covered but you disagree on the amount, the appraisal clause in most Texas homeowners and commercial policies applies. Many Houston-area disputes come down to the roof scope, interior water damage, and pricing.
What is an insurance appraisal?
Most Texas property policies include an appraisal clause. When you and your insurance company agree the damage is covered but disagree on how much it's worth, either side can demand appraisal in writing. Each side names its own appraiser. If the two appraisers can't agree, an umpire decides. An award signed by any two of the three sets the amount of loss.
Can appraisal help if my claim was denied?
Appraisal does not handle coverage-related issues. It only decides the amount of a covered loss.
Serving all of Texas.
Let's look at your claim in Houston.
Send us the basics and we'll get back to you. If you have the carrier's estimate handy, mention it. It's the first thing we'll want to review.
Call or text210-239-3769 Emailadmin@texasclaimservices.com