Advice on how to submit an insurance claim following a major storm
Filing an insurance claim after a severe storm can be a complex process. Here are some tips to help you navigate the claim filing process effectively:
Prioritize Safety: Ensure your safety and the safety of others before assessing or documenting any damages. If there are immediate risks or hazards, such as downed power lines or structural damage, contact the appropriate authorities or emergency services first.
Document the Damage: Once it is safe to do so, document the damage caused by the storm. Take photographs or videos of the affected areas, both inside and outside your property. Make a detailed inventory of damaged belongings, noting their approximate value, and gather any supporting documentation, such as receipts or appraisals.
Review Your Insurance Policy: Familiarize yourself with the terms, coverage limits, deductibles, and exclusions of your insurance policy. Understand what types of storm damage are covered, such as wind, hail, or flooding, and what documentation or evidence is required for your claim.
Contact Your Insurance Company: Notify your insurance company as soon as possible about the damages and initiate the claim process. Follow their instructions regarding necessary paperwork, forms, or evidence to provide. Keep detailed records of all communication with your insurance company, including names, dates, and content of conversations.
Mitigate Further Damage: Take reasonable steps to prevent further damage to your property. This could include temporarily covering a damaged roof with a tarp, boarding up broken windows, or removing water to prevent mold growth. Document these mitigation efforts and keep any receipts or invoices for expenses incurred.
Seek Professional Assistance: Depending on the extent of the damage, you may need to hire professionals, such as contractors, restoration specialists, or public adjusters, to assess the damage, provide repair estimates, or assist with the claims process. Ensure you work with reputable and licensed professionals, and keep records of any agreements or contracts.
Be Diligent with Documentation: Keep thorough records of all expenses related to the storm damage and the claim process. This includes receipts for repairs, temporary accommodations, or additional living expenses, as well as any written estimates, invoices, or reports you receive.
Follow Claim Deadlines: Pay attention to any deadlines or timeframes specified by your insurance company for submitting documentation, completing repairs, or filing additional information. Missing deadlines could potentially affect your claim settlement.
Be Prepared for an Adjuster Visit: Your insurance company may send an adjuster to assess the damage and determine the claim amount. Be available for the scheduled visit, provide them with all relevant documentation, and make sure to accompany them during the inspection to point out any specific areas of concern.
Seek Clarification: If you have questions or concerns about the claims process, coverage, or settlement offered by your insurance company, don’t hesitate to seek clarification. Contact your insurance agent or representative and request explanations in writing if necessary.
Remember, the insurance claims process can vary depending on your policy and the insurance company. It’s important to thoroughly review your policy, document the damages, communicate promptly with your insurance company, and seek professional guidance if needed.
