Insurance Law

5 Most Common Home Insurance Claims in Houston, TX

Home insurance is something that all homeowners should have. It can help protect you from a number of potential risks, including fire, theft, and natural disasters. However, home insurance is not always able to cover everything. That’s why it’s important to know the most common home insurance claims so that you can be prepared if something does happen.

To make the process of filing a claim easy, there are currently over 132,106 claims adjusters working in the United States. On the other hand, Houston, Texas, has the second-most public adjusters of any city, with almost double the number of adjusters working than in any other city.

This means that the city is a hotbed for property damage claims. The metropolitan area sees more property claims than any other city in the country.

When it comes to filing a claim, the process can be confusing and frustrating. It may be beneficial to hire a Houston public adjuster in such cases. They will help you navigate the claims process and ensure that you receive the compensation you deserve.

So, what are the most common residential insurance claims in Houston? Take a look.

1. Wind and Hail Damage

Houston is located in what is known as “Tornado Alley.” This means that the city is prone to severe weather conditions like high winds and hail. As a result, wind and hail damage is one of the city’s most common home insurance claims.

If natural elements like wind or hail have damaged your residential property, it’s essential to contact an insurance adjuster as soon as possible. They will help you assess the damage and file a claim with your insurance company.

2. Water Damage

Water damage is another common type of claim in the city. On an average year, Houston sees over 50 inches of rain. This can result in water damage and flooding in residential areas. Many homes are not prepared for this type of damage and do not have the proper insurance coverage.

However, a reputable adjuster can help you file a claim and get the compensation you deserve. You should contact a Houston public adjuster as soon as you experience water damage so they can begin working on your claim. The average claim cost for water damage is $17,000.

3. Fire Damage

Fire damages can happen for several reasons, including faulty electrical wiring, cooking accidents, and natural disasters. It’s important to have adequate insurance coverage in case of a fire.

If you experience fire damage, you should contact an insurance adjuster as soon as possible. They will help you assess the damage and file a claim with your insurance company.

4. Mold Damage

The humid climate creates the environment for mold to grow. Mold can cause severe health problems, so it’s essential to have it removed as soon as possible.

The time to contact an adjuster is when you first notice the mold. They will help you file a claim and get the compensation you need to remove the mold.

5. Theft

Theft is another common type of residential insurance claim. Houston is a large city with a high crime rate. There is about one theft for every four households in the city.

This means that your home is at a higher risk for theft than homes in other parts of the country. If you experience a break-in, having an insurance policy can help you get the compensation you need to repair the damage and replace any stolen items.

Getting in touch with an expert adjuster is the best way to ensure that you get the total compensation you deserve.


Most public adjusters in Houston will charge between 5% to 15% of the claim settlement. There are many types of residential insurance claims; however, the five listed above are the most common ones.

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