HOUSTON – Property owners dealing with losses caused by the massive pipeline fire in Deer Park fire are still trying to process the news. Soon, many of them will begin an insurance claims process.
In times of a disaster like this, it’s easy to understand how one could become overwhelmed and even panic. Now, an insurance agency owner is laying out the steps those affected need to take.
“It is pretty much catastrophic in that area,” said Nikki Cavazos, agency owner of Cavazos Insurance, The Woodlands Financial Group.
“If they’re panicking, I would, definitely,” she continued. “If they don’t know their insurance company, contact their mortgage company. They’ll give them their name, their policy number.”
Cavazos says it’s natural for affected homeowners to feel overwhelmed, but it’s important to contact your adjuster immediately.
“First thing is: we can set them up with living expenses. Most insurance companies provide living expenses,” she said.
If possible, she adds, be sure to take pictures and keep an inventory and any receipts you have of the damaged goods.
“Most homes are replacement costs, so they shouldn’t be worried about not getting paid for their personal belongings,” she said.
Cavazos says the same goes for vehicles damaged by the fire. She also pointed out that water damage caused by firefighters’ efforts to contain the scene shouldn’t negatively affect your claim.
“Now, firefighters do have to go in to stop the fire, obviously, so it would just be the one claim. They’re not going to have to pay a deductible for water damage, a deductible for fire and so on, and so on,” she said.
For the most part, Cavazos says these are general rules of thumb. It’s important to review your policy and speak to your adjuster to get clarity on your exact coverages.