Storm Season Preparedness: A Claims Partner’s Checklist for Carriers
Preparing for the Inevitable: Is Your Claims Process Ready?
In regions like Texas, Florida, Louisiana, and Georgia, storm season brings more than just wind and rain—it brings a surge of insurance claims that test every part of a carrier’s operation.
From flooding and wind damage to total property loss, insurers are under pressure to make fast, fair, and accurate claims decisions. At Texas Piers Consulting, we work alongside insurers to provide dependable forensic engineering, catastrophe response, and property damage assessments.
This checklist outlines key steps for storm season preparedness, so your claims team can stay ahead of the chaos.
The Storm Season Claims Checklist for Carriers
✅ 1. Secure a Rapid-Response Inspection Partner
You’ll need boots on the ground fast. Delays in expert inspections create backlogs and reduce client satisfaction.
- Pre-contract with partners like Texas Piers Consulting.
- Confirm regional coverage and licensing.
- Establish deployment protocols and contact procedures.
✅ 2. Set Clear Structural Evaluation Standards
Every inspection should deliver usable data for fast decision-making. General reports or surface-level assessments won’t do during a CAT event.
- Require clear, code-based structural evaluations.
- Ask for measured diagrams and photo documentation.
- Ensure your partner provides engineering reports for insurance companies tailored to claims.
✅ 3. Review Appraisal & Arbitration Protocols
Storm season increases the chance of disputes. Whether it’s scope, cause, or coverage disagreements, unresolved claims lead to client dissatisfaction.
- Identify all parties involved and record their contact information.
- Ask for letters of representation, prior claims records, and applicable documentation.
- Have supporting safety and inspection resources in place.
- Dress and be professional.
- Confirm access to third-party appraisal & arbitration experts.
- Prepare documentation workflows for disputed losses.
- Partner with engineers who provide unbiased support in mediation
✅ 4. Align on Building Code Requirements (Side Note Question for Alex – Have we joined PLRB? We need this if we are going to be providing building code experts.) Alex said that we will be members of PLRB soon
Each region has different rules, especially after a disaster declaration. Rebuilding non-compliantly increases liability for carriers and contractors.
- Ensure field consultants understand regional codes.
- Request reports that explain repair needs in code-based language.
- Confirm scope recommendations meet local jurisdiction standards.
✅ 5. Streamline Your Claims Documentation Process
Fast claims resolution depends on clean, complete records. Your inspection partner should help, not hinder, this process.
- Use partners who deliver organized reports in your preferred format.
- Verify they provide scalable support for surge volume.
- Integrate with systems used by desk adjusters and claims teams.
How Texas Piers Consulting Helps Carriers Stay Prepared
We’re more than a vendor—we’re a claims partner. Our services are designed to support every phase of the storm response process, from initial triage to resolution and litigation.
Our specialties include:
- Forensic engineering evaluations post-disaster.
- Detailed property damage assessments.
- Code-compliant building consulting.
- Responsive catastrophe response field support.
- Support for complex appraisal & arbitration claims.
With offices and resources across Texas, Florida, Louisiana, and Georgia, we respond fast and scale to meet your needs.
Don’t Wait for the Storm to Strike
Storm season isn’t a surprise—it’s a cycle. And the carriers that plan ahead are the ones that handle claims faster, reduce disputes, and protect policyholder trust.
Learn more about us by visiting the link below. Explore how we can help you succeed!
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