Texas Storm Damage – What the Insurance Adjuster Isn’t Telling You

Under-Scoping the Work Required 

One of the most common issues we see after major storms is under-scoping. That means the adjuster may document the visible damage but overlook or downplay issues that will show up later, like water intrusion, structural compromise, or damaged insulation. If those aren’t included in your initial claim, they’re often denied later as “pre-existing” or unrelated.

The Problem With Depreciation

Another problem is depreciation. Insurance companies often apply depreciation to materials like roofing or siding. This can drastically reduce your payout if your policy isn’t written with full replacement cost in mind. Many homeowners don’t realize this until they’re handed a check that won’t actually cover the repairs.

The Paul Davis Difference 

At Paul Davis, we specialize in working alongside—not for—insurance companies. We document damage thoroughly, advocate for fair scope, and help homeowners navigate the claims process from start to finish. We’ve seen too many people shortchanged simply because they didn’t know what to ask for.

Here’s what an insurance adjuster might not tell you:

• You can (and should) request a second inspection if something was missed.
• You’re entitled to bring in your own contractor for estimates.
• Supplemental claims can be filed if additional damage is found later.
• Hidden damage (like moisture behind walls) often requires specialized testing and should be included in the claim.

After a storm, the goal isn’t just to get a check—it’s to restore your home fully and safely. That means checking for mold growth, compromised framing, water damage in attics or crawlspaces, and impact damage to HVAC or electrical systems.

The best time to protect your property is before the adjuster walks in the door. Have a contractor you trust do an inspection first. Get photos, documentation, and a list of all affected systems and materials. That way, you’re walking into the claims process informed and ready to push for the full scope of what you need.

Storms are unpredictable. Your recovery shouldn’t be. Talk to a team that knows how to fight for your home, not just repair it. Get in touch with the team at Paul Davis today!