Storms can hit fast, but a little preparation goes a long way. Find out how Texans can protect their homes, understand their insurance needs, and get help after a disaster.  

Review your insurance coverage  

Whether you’re facing hurricane season, floods, tornadoes, or hailstorms, the right insurance coverage matters. Ask yourself: 

• Can I afford my deductible? 
• Will I need a hotel if my home is damaged? 
• Do I have enough coverage for my personal belongings? 

Review your policy twice a year to make sure your coverage and deductibles still fit your needs. You can compare premium rates at HelpInsure.com. 

How does TDI help after a disaster? 

After major disasters, FEMA and the Texas Division of Emergency Management can open Disaster Recovery Centers (DRCs) in affected communities. These centers bring together federal and state agencies to help Texans navigate recovery. 

TDI staff are on-site at DRCs to guide you through the claims process, answer questions, and help you file an insurance complaint if needed 

If you can't visit a center in person, call the TDI Help Line at 800-252-3439.  

How can I recover faster after a disaster? 

Prepare yourself to recover from a disaster faster by keeping your insurance company’s contact information and your policy number handy. Also become familiar with how to file a homeowners insurance claim. 

After disaster strikes, watch out for contractor scams. Only hire reputable local contractors and roofers, and never pay the full amount upfront. 

Learn More:

• Before the storm
• What to do after a storm
• Disasters: how to prepare and recover
• TDI’s Role in a Disaster

00:00 Disaster Assistance Response: How TDI helps

00:23 How does TDI prepare before a disaster hits Texas? 

01:19 What is TDI’s Disaster Assistance Response Team? 

01:38 How should Texans get prepared for disasters? 

01:58 What kind of homeowners insurance coverages help when there is a disaster? 

02:26 What is a Disaster Recovery Center? 

03:05 How does TDI help Texans recover after a disaster? 

03:23 What scams should you look out for after a disaster?  

04:26 If you have insurance questions visit https://tdi.texas.gov/ or call 800-252-3439