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    <p align="center"><a href="../consumer/storms/helpafterharvey.html" title="Help after Harvey page"><strong>Help after Harvey:</strong> Get the latest information about filing claims, how to get help</a></p>

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<h1>My home was damaged by Harvey</h1>




        
            
    <div id="take5introtext"> Depending on the kind of damage your home has and where you live, you may need to file more than one insurance claim. 

If you need information, have a complaint, or can't locate your agent or company, call our Consumer Help Line at 1-800-252-3439.  </div>

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            <h2><span class="number"><img alt="Common policy claim deadlines: flood, 60 days; windstorm, 1 year; homeowners, check with your agent" class="floatright" height="210" src="artwork/claim-deadlines.jpg" width="416" />1</span>&#160; If you have a windstorm policy</h2>
<p>If you have a policy with the <a href="https://www.twia.org/" title="Texas Windstorm Insurance Association">Texas Windstorm Insurance Association</a>, report those claims at 1-800-788-8247 or 1-877-281-1431.</p>
<p>You have one year from the date of damage to file a windstorm claim.</p>
<h2><span class="number">2</span>&#160; If you have flood insurance</h2>
<p>The deadline for flood claims has&#160;been extended to one year. Work with your flood insurer to begin the claims process.</p>
<ul>
<li>Visit the <a href="https://www.fema.gov/nfip-file-your-claim" title="National Flood Insurance Program">National Flood Insurance Program</a> for information about how to file a claim.</li>
<li>Document the damage.</li>
<li>Complete a proof of loss statement to support your claim.</li>
</ul>
<h2><span class="number">3</span>&#160; Homeowners claims</h2>
<p>Homeowners&#160;insurance policies generally don't cover flood damage, but you still may want to file a claim if your home was damaged. Deadlines for filing claims vary by policy, but it&#8217;s a good idea to notify your agent or company as soon as you&#8217;re aware of <g class="gr_ gr_72 gr-alert gr_gramm gr_inline_cards gr_run_anim Grammar only-ins replaceWithoutSep" data-gr-id="72" id="72">damage</g>. Some have deadlines of one year, and others require you to notify them of water damage much sooner.</p>
<p>Your <g class="gr_ gr_58 gr-alert gr_gramm gr_inline_cards gr_run_anim Grammar multiReplace" data-gr-id="58" id="58">homeowners</g> policy may cover:</p>
<ul>
<li>Roof damage from a tree hitting your home during the storm.</li>
<li>Water damage from rain entering your home if the roof was damaged in the storm.</li>
<li>Damage to fences caused by high winds.</li>
<li>Spoilage of refrigerated food due to a power outage caused by the storm.</li>
<li>Additional living expenses to cover hotels, food, and other expenses if you were ordered to evacuate.</li>
</ul>
<h2><span class="number">4</span>&#160; If you have uninsured losses</h2>
<p>There are resources that can help you:</p>
<ul>
<li>Homeowners, renters, and small businesses may be eligible for a disaster loan program through the <a href="http://www.sba.gov/content/disaster-loan-program" title="U.S. Small Business Administration">U.S. Small Business Administration</a>.</li>
<li><a href="https://hhs.texas.gov/about-hhs/communications-events/news/2017/08/disaster-grants-now-available">Disaster grants</a> may cover disaster-related expenses such as replacement of furniture and clothing, medical expenses, and automobile repair and replacement. Call 1-800-621-3362 for more information.</li>
<li>Some mobile home insurance policies provide coverage for flood damage while others do not. Check the language in your policy or ask your agent.</li>
<li>Use&#160;<a href="https://www.disasterassistance.gov/" title="DisasterAssistance.gov">DisasterAssistance.gov</a> to check the status of your FEMA application and find hotels that accept FEMA's Transitional Sheltering Assistance.</li>
</ul>
<h2><span class="number">5</span>&#160; See also:</h2>
<ul>
<li><a href="filing-home-claim.html" title="How do I file a homeowners claim?"><strong>How do I file a homeowners claim?</strong></a> We walk you through the process, including deadlines and what to do if you disagree with your insurance company&#8217;s estimate.</li>
<li><strong><a href="../consumer/storms/home-damaged-faq.html">FAQs about homeowners insurance and claims:</a></strong> Get answers to common questions about homeowners insurance policies and filing claims due to a disaster.</li>
<li><a href="car-flooded.html" title="My car was flooded"><strong>My car was flooded:</strong></a> Answers to common questions if your car is flooded.</li>
</ul>
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                                   <p class="right small">Last updated: 02/08/2018</p>  
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