What’s next?

• Ask your insurance company what deadlines require action on your part, and what you can expect from them next.
• Find a qualified contractor or auto body shop to do repairs. 
• Make sure the contractor or auto body shop you choose is insured or bonded.
• Be sure to address any differences between your insurance company’s estimate and the contractor’s or auto body shop’s estimate. 
• Get a copy of all estimates and review any contracts before signing.
• Make sure repairs are completed. Take photos/videos for your records.
• Keep all records about your claim, including repair estimates, emails, and receipts.

What will my insurance reimburse me for?

Read your policy and talk to your agent. You will have to pay your deductible. However, you may be able to get reimbursed for things such as:  

• Additional Living Expenses (ALE)
• Debris Removal
• Temporary Repairs
• Withheld Depreciation: Ask your company what will be paid at Replacement Cost (RC). Companies may give you one payment for the cash value of the damaged property at the time of loss, and withhold the difference between the cash value and the RC until the property is repaired or replaced. If you’re owed RC you can collect the amount withheld once you prove that you repaired or replaced your property. 

What if I have problems with my claim?

Claims can be complex and every claim is different. Here are options to help if you have a problem:

• Contact your claims adjuster. You can also ask to speak with a claims manager at your insurance company.
• Call OPIC at 512-322-4143 or toll-free at 1-877-611-6742. We can help answer your questions.
• File a complaint with the Texas Department of Insurance (TDI). Call TDI’s Consumer Help Line at 1-800-252-3439 or visit their website.
• Contact an attorney to advise you of your legal rights. Visit the State Bar of Texas website or call 800-252-9690 to help you find an attorney.
• Pay a licensed public adjuster or appraiser to review the damage and handle your claim.