HOUSTON — The Texas Department of Insurance issued guidance for residents to follow after severe thunderstorms affected the Houston area on Wednesday, June 17, 2026. The department advises residents to contact their insurance company or agent promptly after experiencing storm damage.

Residents should document conversations with insurance representatives and take pictures and video of all damage. The department recommends not discarding damaged items until an insurance adjuster provides approval. Policyholders can make temporary repairs to prevent further damage but should wait for an adjuster to assess the damages before undertaking permanent repairs. Ensuring a visible address from the street can assist adjusters.

The department also advises policyholders to be present during an adjuster's visit to point out all damage. Obtaining multiple contractor bids and comparing them against the adjuster's report before settling a claim is another recommendation. Residents should maintain a list of all repairs and save receipts. It is also important to save proof of deductible payments for an insurance claim.

Texas state law prohibits contractors or roofers from offering to waive deductibles or promising rebates for deductibles. This law permits insurance companies to request proof of deductible payment, such as a receipt or a canceled check. Homeowners insurance policies typically cover fence repairs if they include wind damage coverage, though coverage is usually limited to the actual cash value. Policyholders must pay their deductible for covered fence repairs.

If a neighbor's tree falls on a home, the neighbor's homeowners insurance likely will not cover the damage unless the neighbor was found at fault. Neighbors are generally not responsible for acts of nature under homeowners insurance guidelines. In such cases, affected homeowners can file a claim under their own policy. Damage from trees and limbs falling in a yard without damaging property is usually not covered by insurance. Auto insurance policies that include comprehensive coverage will cover damage to a car caused by a falling tree. If a neighbor's tree damages a car, the neighbor's homeowners insurance may pay if fault is established.

The Texas Department of Insurance helpline is available Monday through Friday from 8 a.m. to 5 p.m. CT at 800-252-3439.