Texas Claims Pro - Public Adjusters Serving Texas

Simple Guide for House Fire Victims in Texas
Provided in accordance with guidance from the Texas Department of Insurance (TDI)

Step 1: Ensure Safety

  1. Leave the property immediately if it’s unsafe.

  2. Contact emergency services by dialing 911.

  3. Avoid re-entering the property until it has been deemed safe by authorities.

Step 2: Notify Your Insurance Company

  1. Call your insurance provider as soon as possible to report the fire.

  2. Provide them with your policy number and a description of the damage.

  3. Ask about the next steps for filing your claim and temporary living arrangements if needed.

Step 3: Document the Damage

  1. Photograph and video record all damage, including:

    • Interior and exterior of the property.

    • Personal belongings and damaged furniture.

  2. Make a list of damaged items (include estimated value and purchase dates).

Step 4: Secure Your Property

  1. Take steps to prevent further damage, such as:

    • Covering exposed areas with tarps.

    • Boarding up windows and doors if necessary.

  2. Keep receipts for temporary repairs, as they may be reimbursable.

Step 5: File Your Insurance Claim

  1. Work closely with your insurance adjuster to provide requested information.

  2. Submit your inventory of damaged items and documentation promptly.

  3. Request a copy of your insurance policy if you don’t have it on hand.

Step 6: Consider Hiring a Public Insurance Adjuster

  • If you need help navigating the claims process or believe your insurance company’s offer is too low, a licensed public insurance adjuster can represent your interests.

  • Verify their license through the Texas Department of Insurance at www.tdi.texas.gov or call 1-800-252-3439.

Step 7: Use Available Resources

  • Contact the American Red Cross for emergency shelter and assistance: 1-800-733-2767.

  • Reach out to local charities or community organizations for additional support.

  • Visit the Texas Division of Emergency Management (TDEM) if your area is part of a declared disaster zone.

Step 8: Rebuild and Prevent Future Fires

  1. Work with contractors who are licensed and insured to repair your home.

  2. Install or check smoke alarms and fire extinguishers once repairs are complete.

  3. Develop a fire escape plan with your family and practice it regularly.

For more information, visit the Texas Department of Insurance website or call their helpline at 1-800-252-3439.