If you have already reported storm damage, organize your next message around the question that is still open. It may concern an estimate, a requested document or an instruction you do not understand.
Prepare your follow-up in five lines
- My current question is: the one issue I need explained.
- My insurance company and claim reference are: the company and reference from its record.
- My last relevant contact was: the person or department, date and subject.
- The document I am asking about is: its name, date and who supplied it.
- The next date or instruction I was given is: the instruction and who gave it.
Add your name and current callback number. If you have no claim reference, note when and how you reported the loss and ask the company to confirm receipt.
Download the five-line claim worksheet (PDF, 1 page)
If you have not reported the loss, use the company’s claim contact first. Our immediate storm-damage guide covers reporting, safe documentation and temporary protection. Do not wait for a complete folder or an office response to address an emergency.
Match the records to the question
Send the relevant record rather than an unexplained collection of files. Label documents so the reader can distinguish observations, proposed work and completed work.
- Damage question: affected area or item, safe photos and the date observed.
- Repair question: contractor’s name, estimate date, the item in question and any revised version.
- Temporary repair: work description, date and receipt.
- Company request: the letter or message, requested document and stated deadline.
- Living-expense question: relevant dates and receipts kept separately from repair costs.
For example, “The contractor’s October 12 estimate includes the garage roof, but the October 15 insurer estimate does not” gives a specific difference to discuss. This is a hypothetical example, not a claim decision.
Keep each property and claim reference together
If a storm affected a home and vehicle, keep each report’s records separate. Identify the vehicle or the room, roof area, structure or belongings involved. For farm equipment or several rural locations, use the farm and ranch storm checklist.
Keep a short contact record
After a relevant call, note the date, contact, question and next step. Save written instructions and keep contact information current if you are staying elsewhere. TDI recommends keeping company contacts and document requests with your claim records.
If instructions differ, ask the company to clarify the deadline and submission method. A document’s delivery, an appointment request and an approved payment are different events; keep the response that confirms what happened.
Prepare questions for the adjuster
Try to be available to point out the damage, as recommended by TDI. Identify areas you could not inspect safely, temporary work completed and any item you believe is missing from an estimate.
Ask which additional document is needed and where to send it. Keep insurer instructions on proposed repairs with the work records.
What the office can help you organize
Tell us what was reported and what you need help understanding. We can help organize the question and coordinate follow-up. The insurer and adjuster remain the contacts for claim status, requested documents and coverage or payment decisions. Sending a document to our office does not mean the insurer approved it.
A website request does not bind, change, cancel, reinstate, or confirm coverage.