Course Overview

Wind and hail are the losses you will work most often in Texas. By claim volume, nothing else in personal lines comes close. A single severe hailstorm over a metro area can put thousands of claims on the board in a day, and a named storm on the coast can do the same with far higher severity. This four-hour course is for you, the licensed adjuster who already handles residential claims and needs to work wind and hail losses accurately, quickly, and in compliance with Texas law.

This course concentrates on what is specific and hard about wind and hail: telling real hail damage from cosmetic marking and ordinary wear, separating wind damage from the water that arrives with it, applying the percentage deductible that makes these claims different from every other peril, handling the volume pressure of a catastrophe without missing a statutory deadline, and, for coastal claims, working within the Texas Windstorm Insurance Association. By the end, you will be able to take a storm claim from first inspection through a defensible payment or denial. The course is built around the work as you actually encounter it: the high-volume inland hail claims that fill the spring, the complex coastal losses that a hurricane produces, and the statutory clock that runs on all of them at once. Each module moves from the framework you need to the operational decisions you make, and the case studies put you into realistic scenarios where the determination is not obvious, and the analysis has to be worked out rather than recalled. By the time you reach the integrated scenarios at the end, you will be running the full sequence on losses that combine wind, water, deductibles, and the statutory clock the way real storms deliver them.

Course Learning Objectives

By the end of this course, you will be able to:

• Assess roof and hail damage in the field, telling functional damage from cosmetic damage and storm-caused damage from pre-existing wear.
• Separate wind-caused damage from flood and storm-surge damage in a single storm event, and document the basis for the split.
• Apply the percentage wind and hail deductible correctly, including aggregating it per occurrence across coverage sections.
• Determine where wind and hail coverage sits for a given property, including when a coastal property’s coverage runs through the Texas Windstorm Insurance Association.
• Work a wind or hail claim within the Texas prompt-payment calendar under catastrophe-volume conditions.
• Keep your wind and hail claim handling compliant with current Texas statutory requirements.
• Pull coverage, causation, valuation, and compliance together on a complex multi-element storm claim.