Claims Center

Claims Center

HURRICANE HARVEY

Hurricane Harvey has had a devastating impact within Texas as well as the other states along the Gulf Coast.  While the storm has now dispersed, its impact will be felt for a long time.

Storm Considerations

  • Inspect your home or office for damage. Take pictures of damage, both of the building and its contents.
  • If it is safe to do so, your insurance policy requires reasonable care and diligence to mitigate further damages.   Click the “Mitigate Your Damage” button on your screen to view a list of restoration, glass repair, and rental car companies.

HB 1774 Helpful Information

Be aware that there have been social media posts about your rights and obligations when it comes to reporting a claim as a result of House Bill (HB) 1774 that should be clarified.

  • The normal claims process has not changed. 
  • Texas has the strongest consumer protections in the nation against insurers that unfairly deny or delay claims.
  • You will continue to have a full-range of remedies in the event an insurance company 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. 
  • Be aware of individuals claiming to help you get more from your insurance company.
  • Please file your claim as quickly as possible.
  • If you have a claim to file with TWIA, HB 1774 does not apply.  TWIA claims are not subject to this legislation

​For more information regarding HB 1774 as well as other facts about Consumer Protection in Texas, click here.

Fraudulent Activity

Be aware that Texas Windstorm Insurance Association's (TWIA) Special Investigations Unit is monitoring reports of fraudulent activities in communities affected by Hurricane Harvey. To protect yourself from fraud, follow these tips:

  • Ask contractors and adjusters for ID. If possible, confirm contractor identities with local officials. TWIA adjusters have TWIA badges.
  • Be aware that a TWIA adjuster will never request payment for service.
  • Contractors performing major repairs in Rockport, Corpus Christi, and Port Aransas are required to register with the City. Check online for additional information: RockportCorpus Christi, and Port Aransas.
  • If you suspect disaster-related fraud activities, call the TWIA Fraud Hotline at 800-625-0425.

 

REPORT A CLAIM

To ensure your claim is handled promptly, we encourage the following methods for reporting claims:

  • Report loss directly to the insuring company (to find carrier contact information, click the "Contact Your Carrier" button on your screen)
  • Report loss online through our Risk Management Center (user ID and password required)
  • Report loss to us during normal business hours
  • Report loss to us after business hours via our 24-hour reporting hotline
  • If it is safe to do so, your insurance policy requires reasonable care and diligence to mitigate further damages.   Click the “Mitigate Your Damage” button on your screen to view a list of restoration, glass repair, and rental car companies.

If you are a Texas Windstorm Insurance Association (TWIA) client, they have mobile claim centers on site to assist policyholders affected by Harvey.  For fastest service, file claims directly either online at www.twia.org/claimscenter or by calling 877-281-1431 (English) or 866-443-3144 (Spanish).

All clients with a flood policy, flood damage, or have flood related questions are encouraged to contact FEMA at 800-621-3362.

 

REPORTING A LOSS AFTER NORMAL BUSINESS HOURS

To report a loss after normal business hours (Monday - Friday 8:00 a.m. to 5:00 p.m.), contact our office by phone using the number at the top of this page and select option 9 to report a claim — your call will automatically be redirected to our after hours hotline.

We will be notified of your loss via email, which we will forward to the insuring company for processing on the next business day.

If a loss of catastrophic nature is reported to us through our after hours reporting hotline, it will be escalated to a Catto & Catto representative who will contact you immediately upon notification.

 

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