03/07/2025

Spring is rolling into the Rio Grande Valley, and while we all love the warmer weather, this season also comes with a downside — wild storms. From gusty winds and flying hail to torrential rain and even the occasional flash flood, spring storms can hit fast and leave a trail of damage behind.

And that’s where your insurance coverage comes into play. The right insurance can mean the difference between a quick recovery and a financial nightmare. So, let’s understand everything you need to know about storm insurance before Mother Nature gets feisty.

Understanding Your Home Insurance: What’s Covered (and What’s Not)

Let’s start with the basics — what does your standard home insurance policy cover when a spring storm rolls through? If you’re like most RGV homeowners, you probably have a traditional policy that protects your roof, walls, windows, and even detached structures like sheds from wind and hail damage.

But, flooding? Not covered. Water creeping into your home after heavy rains? Not covered.

For flood damage, you’ll need a separate flood insurance policy, often purchased through FEMA’s National Flood Insurance Program (NFIP). This is crucial in the Valley, where spring storms can dump inches of rain in hours.

What about roof damage? If you have an older roof, your policy may only cover its depreciated value (Actual Cash Value) rather than the full cost to replace it. Want full replacement coverage? You’ll need to upgrade your policy to Replacement Cost Coverage — and yes, it’s more expensive, but absolutely worth it after a big storm.

Pre-Storm Prep: Protect Your Property (and Your Claim)

Storm insurance is a must-have but so is preparing your home before storm season hits. This is where a little elbow grease can save you thousands later and help you avoid common claim disputes down the line.

Here’s your RGV storm prep checklist:

• Inspect your roof — Patch up any loose shingles or damaged areas. A weak roof won’t stand a chance, and many insurers will scrutinize roof maintenance closely if you file a claim.
• Trim trees and secure loose items — Wind can turn patio furniture, garden décor, and even small planters into dangerous projectiles. Either store them inside or secure them with tie-downs. Trim back any overhanging branches that could fall on your roof or damage power lines.
• Clear gutters and downspouts — Gutters clogged with leaves and debris can lead to roof leaks, siding damage, and foundation flooding. Insurers may deny water damage claims if they can argue neglect, so keeping your drainage systems clear is a simple but crucial step.
• Review your insurance policy — Before storm season, set aside time to meet with your insurance agent and review your coverage. Check your deductibles for windstorm and hail claims (they may be higher than your regular deductible) and confirm whether any recent home upgrades, like solar panels or a new patio, are fully covered.
• Create a storm emergency kit — Stock up on essentials like flashlights, batteries, non-perishable snacks, bottled water, first-aid supplies, and basic tools. If you rely on medication, ensure you have a few extra days’ supply. Don’t forget pet supplies if you have furry family members.
• Take inventory and photos — Document the condition of your home and belongings now while everything is intact. This will serve as critical evidence if you need to prove the extent of the damage later. Keep a digital copy stored in the cloud for easy access.
• Create an emergency contact list — Compile a list of important contacts, including your insurance agent, local contractors, utility companies, and nearby family or friends. Having this ready can save valuable time in an emergency.

Pro tip: Take those “before” pictures today — wide shots of your home’s exterior, plus close-ups of your roof, windows, and any outdoor structures. In the aftermath of a storm, those photos could become your best evidence for a smooth claim process.

After the Storm: What To Do When Damage Happens

So the storm hit. Now what? This is the time for your insurance coverage — and every hour counts when it comes to starting your claim. Acting quickly and thoroughly can make all the difference between a smooth insurance process and a frustrating battle.

Immediate post-storm steps:

• Safety first — Watch for downed power lines, unstable structures, and any signs of gas leaks. Stay out of floodwaters, which can hide dangerous debris or even electrical currents. If authorities recommend evacuation, follow their advice.
• Document everything — Grab your phone and snap photos and videos of all damage, inside and outside. Capture wide shots to show the overall impact and close-ups to highlight specific damage like roof punctures, broken windows, or interior water intrusion. Don’t forget detached structures like garages, sheds, and fences.
• Make temporary repairs — Cover broken windows, tarp the roof, and secure openings to prevent further damage. Keep receipts for any materials or emergency repairs, as these may be reimbursable under your policy. However, don’t throw anything away until the adjuster sees it—damaged items are evidence.
• Call your insurance company — Start your claim ASAP. Many insurers have mobile apps or online portals for quicker filing. Be ready with your policy number, the date and time of the storm, and a basic description of the damage.
• Create a storm damage log — Write down everything: the timeline of the storm, the damage you’ve spotted, the temporary repairs you’ve made, and every interaction you have with your insurance company (dates, names, and summaries of conversations). This record can be invaluable if disputes arise.
• Be cautious of repair scams — Sadly, storm damage attracts unscrupulous contractors offering quick fixes. Always check credentials, ask for references, and avoid paying large upfront deposits. Whenever possible, work with contractors recommended by your insurer.

By following these steps, you’ll not only protect your home but also set yourself up for a faster, more successful claims process. The more organized and thorough you are, the stronger your position if any part of the claim gets questioned.

Mastering the Claims Process: Your Insider Guide

Filing a claim can feel overwhelming, but it doesn’t have to be. Knowing the process ahead of time gives you the upper hand and helps you avoid common pitfalls that could delay or reduce your payout.

Step 1: Contact Your Insurer Immediately

Time is money when it comes to storm claims. Call your insurance provider as soon as it is safe to do so, and be ready to provide basic details, like your policy number, the date and time of the storm, and a summary of the damage you’ve observed so far.

Step 2: Document Thoroughly (and Repeatedly)

Even if you took pre-storm photos, take fresh ones after the damage occurs. Include wide shots, close-ups, and even video walkthroughs of your property. If you’ve had to make temporary repairs, document those, too, including receipts for materials and labor.

Step 3: Understand Your Deductible

Spring storms often involve special deductibles, especially for wind or hail damage. These deductibles may be a percentage of your home’s insured value rather than a flat amount. Ask your agent to explain exactly what applies to your claim so there are no surprises.

Step 4: Meet the Adjuster Prepared

When the insurance adjuster comes to inspect the damage, you should be there. Walk them through every affected area and hand over your documentation. Be clear about pre-existing conditions (if any) versus new storm-related damage.

Step 5: Track Everything

Create a claim file—a folder, notebook, or even a dedicated digital file—where you store:

• Claim number
• Names and contact information for everyone you speak with
• Notes summarizing each call or visit
• Copies of all correspondence (emails, letters, estimates, receipts)

Step 6: Stay Proactive and Persistent

Follow up regularly, and don’t hesitate to ask for updates. If you feel your adjuster has underestimated the damage or missed something important, speak up. You can even request a second opinion from an independent adjuster if necessary.

Pro Tips for a Smoother Claims Process

• Be present when the adjuster comes to inspect your home—and show them all the damage you found.
• Keep detailed receipts for emergency repairs, hotel stays (if you had to evacuate), and any storm-related expenses.
• Ask your insurer to explain your deductible upfront—understanding how it works helps you avoid surprises.
• If the insurance company lowballs your payout, don’t be afraid to push back (more on this below).

By approaching your claim with preparation and persistence, you greatly increase your chances of receiving a fair and timely settlement—getting your home (and your life) back on track faster.

What If Your Claim Gets Denied or Underpaid?

It happens — especially after big regional storms when insurance companies face a flood of claims (no pun intended). If your roofing insurance claims for storm damage are denied or if your insurer offers a tiny payout, you don’t have to just accept it. Knowing your rights and understanding the appeal process can make a world of difference.

Common Reasons for Denials or Underpayments

• Pre-existing damage claims: Insurers may argue that damage was there before the storm. This is why pre-storm documentation (like photos and inspection reports) is critical.
• Policy exclusions: Some policies exclude certain types of damage, like wind-driven rain entering through open windows.
• Low estimates: Insurance companies may underestimate repair costs, especially if they rely on outdated pricing models.
• Missed or overlooked damage: Adjusters might miss structural damage that isn’t immediately visible.
• · Paperwork errors: Something as simple as missing documentation can lead to a denial.

Steps to Take if You’re Denied

1. Review the denial letter closely to understand exactly why the claim was denied.
2. Gather your evidence — photos, repair estimates, communication logs, and your policy.
3. Ask for a second inspection if you feel the damage was underestimated.
4. Consult a public adjuster or attorney for a second opinion and expert support.
5. File a formal appeal with your insurer, presenting your evidence and any supporting documentation.
6. Know your rights under Texas law — insurers must handle claims fairly and in a timely manner.

Storm Insurance is a Must!

RGV homes face a real risk of flooding during spring storms — yet, flood damage is almost NEVER covered by regular homeowners insurance. Even if your street’s never flooded before, one freak storm can change that overnight.

If you live in a flood zone (and plenty of RGV areas do), lenders probably required you to buy flood insurance when you got your mortgage. But even if you’re outside the “official” floodplain, it’s still a smart move to get covered.

Yearly Insurance Checkup: Stay Ahead of the Game

Your home changes over time — so does your coverage. Before every storm season, sit down with your insurance agent and do a policy review.

Checklist Item	Completed?
Is my dwelling coverage limit enough to rebuild at today’s costs?	✅
Do I have coverage for wind-driven rain?	✅
Do I have flood insurance, even if I’m not in a flood zone?	✅
What is my hurricane/windstorm deductible?	✅
Are recent home improvements (like solar panels or additions) covered?	✅
Is my roof’s age factored into my coverage terms?	✅
Do I have updated photos of my home for documentation?	✅
Have I added sewer backup coverage if needed?

How Do Roofing Insurance Claims Work for Storm Damage?

If a storm damages your roof, your home insurance policy will likely cover repairs — but the process matters. First, document all damage with clear photos and videos. Report the claim to your insurer right away and schedule an inspection. Your policy type matters too — some pay Actual Cash Value (taking depreciation into account), while others cover Replacement Cost (paying for a brand-new roof). Being proactive with documentation and understanding your coverage can help avoid disputes and speed up your claim.

Does Car Insurance Cover Storm Damage?

Yes — but only if you have comprehensive coverage. Comprehensive insurance protects your vehicle from non-collision events like hail, flooding, falling trees, or wind damage during a storm. If your car is damaged in a spring storm, file a claim with your auto insurer, provide photos of the damage, and be ready to pay your comprehensive deductible. If you only have liability coverage, storm damage won’t be covered.

Ensure Your Peace of Mind With Safeguard Insurance in RGV, McAllen

Spring storms in the RGV aren’t a matter of “if” — they’re a matter of when. With the right insurance coverage, solid preparation, and a clear plan, you can weather anything.

Take action today: Review your coverage, prep your property, and get covered before the clouds roll in.

Need expert insurance advice? Safeguard Insurance has your back, helping RGV homeowners find the right coverage before, during, and after storm season. Contact us!