Confirm the applicable policy terms
Check which deductible applies to the reported cause, especially wind or hail. Ask what insured amount a percentage uses; it is not necessarily a percentage of the repair invoice. Keep the insurer’s calculation with the claim estimate.
Separate the other owner costs
- Which amounts are deductible, depreciation, or above a policy limit?
- Which proposed items are disputed or excluded by the insurer?
- Which choices are owner upgrades outside the loss repair?
Document payment honestly
Texas law prohibits a contractor from waiving or helping an owner avoid an insurance deductible. TDI notes that the insurer can request proof of payment. Agree on legitimate payment terms and keep receipts; do not accept an inflated estimate or a disguised credit to erase the deductible.