How Insurance Pays Out After A House Fire
Fire claims are usually paid in pieces, not one check. Here's how the money typically flows.
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1. Advance For Immediate Needs
Many insurers pay an early advance for clothes, food and a hotel. Ask for one.
2. Living Expenses
Additional living expenses are paid as you go, based on your receipts.
3. Your Belongings
You'll usually get actual cash value first (value minus wear and age). With replacement cost coverage, the rest is paid after you replace items.
4. The House
Checks for the house usually include your mortgage lender's name. The lender may release money in stages as repairs are done.
How Long It Takes
Texas sets deadlines for each step. Read the Houston claim guide or use the deadline tracker.
Contact the Texas Department of Insurance at 1-800-252-3439 to confirm the rules for your claim.