Insurance Claim Guides
Practical, plain-English guides to property insurance claims in Dallas, Dallas County, and across Texas, written by licensed public adjuster Joseph Dittman.
Repairs after hail, wind, fire, or water damage often have to meet current code. How permits work in Dallas and how ordinance or law coverage pays for required upgrades.
By Joseph Dittman, Public Adjuster
Read the articleA roof estimate can look complete and still leave out thousands in materials and labor. How to read an Xactimate roof estimate line by line and spot what is missing.
Read articleWhy is the first insurance check so much smaller than the estimate? A plain-English look at replacement cost, actual cash value, depreciation, and roof schedules in Texas.
Read articleWinter Storm Uri proved that a few days of hard freeze can flood a Dallas home from the inside. How burst pipe and freeze damage claims work, and what to document.
Read articleNOAA lists 305 flash flood reports in Dallas County, including the August 2022 storm that dropped upwards of 15 inches of rain. Here is what homeowners insurance covers, and what it does not.
Read articleDallas County has 109 tornado reports in the NOAA record, including the 2015 Garland/Rowlett EF4 and the 2019 north Dallas EF3. Here is how tornado claims work and how to protect yours.
Read articleFrom the 115 mph gust at Addison Airport to the May 2024 storm that hit Garland and Richardson with 90-plus mph winds, here is how wind damage claims work in Dallas County.
Read articleNOAA lists 841 hail reports in Dallas County since 1955, with a long March–June season and a smaller October bump. Here is what the record means for your roof and your claim.
Read articleThe insurer’s adjuster and a public adjuster play very different roles on a hail claim. How each one works in Texas, and how Dallas homeowners can decide whether they need help.
Read articleA practical method for photographing, measuring, and organizing hail damage evidence so your Dallas-area insurance claim is clear, complete, and tied to the right storm date.
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