There has been and continues to be incorrect information relating to insureds’ rights and obligations under their current policies and reporting of claims. Here is a response from the Independent Insurance Agents of Texas Association:

Setting the Record Straight on Claims Filing Misinformation There has been and continues to be incorrect information relating to your insureds’ rights and obligations under their current policies and reporting of claims. If these posts were intended to alarm and confuse the public, then those involved have achieved their goal. The Facts The normal claims process has not changed. Consumers continue to have a full-range of remedies in the event an insurer acts fraudulently or in bad faith. Lawsuit-abuse legislation (HB 1774) applies to lawsuits filed after September 1, 2017. The Texas Department of Insurance will, as always, in catastrophic events, be monitoring the activities of insurance companies to make sure that claims are being paid properly and promptly. Texas has the strongest consumer protections in the nation against insurers that unfairly deny or delay claims.

As your insurance agent, we represent you! If you need to file a claim, please check our Harvey Resource Guide.

Dagley Insurance has been communicating closely with our major flood provider, Assurant Flood Insurance. If you haven’t started a claim, please be sure to call the claims line 800-423-4403, option 4

Do’s and Don’ts from Assurant Flood Insurance:

• Do Take lots of photos/videos of everything, the more the better
  • For wall damage, you need to take a ruler or tape measure to show how high up the wall the water was, take a picture, from there you can cut out 2-3 inches above the line and remove and discard the sheet rock
  • For flooring damage, you need to keep a 4×4 piece of each room (padding included), everything else can be discarded
  • For contents, you need to take photos and provide as good of a description as you can (brand, year purchased, purchase price, serial number, etc.), you MUST keep the items and not get rid of them
• Don’t wait for the adjuster to start repairing the property. Properly document via the steps above and start drying out affected area. You want to minimize the damage as much as possible and prevent possible mold growth.
• Don’t wait to file a claim. Get in the adjuster queue right away.

We hope this information helps expedite repairs and your claim. Please understand that due to the catastrophic nature of this storm, this is a slower than normal process. We are working hard to keep you updated and well informed through the process.

Thank you for your trust in our agency.