The aftermath of a hurricane is something we all hope we never have to experience. However, if your home is damaged by a storm, knowing the steps to take if you need to file an insurance claim can help ease some of your uncertainty and anxiety as you begin to recover. It is important to first have an understanding of what to expect from the claims process and how to file. Here is what you should know.
Make A List Of The Damaged Property And Belongings And Document Everything
When it comes to filing a claim for hurricane damage, the most important thing is to document everything.
- Take photos and videos of the damage, including structural and personal property damage on the inside and outside of your home, before discarding items.
- Record serial numbers.
- Keep receipts.
- Retain all material samples.
- Contact repair services.
- Make a list of the damaged property and belongings.
- Contact your insurance agent or file online.
- Check your insurance policy.
- Know your hurricane deductible.
How Do I Prepare For An Insurance Adjuster After A Hurricane?
The insurance company will send an adjuster to assess the damages and determine how much they will cover. The adjuster will estimate the damage to your home and property, review your insurance coverage, and negotiate a settlement of the insurance claim for you. Many states require public adjusters to be licensed. When the adjuster comes to your home, you will want to provide documentation of all damages to your property and your home inventory. The more information you can provide, the better you’ll be able to support your case. Also, make sure to document all damaged items before discarding them.
What You Need To Know About Hiring Contractors After the Hurricane
Home and business owners should be on guard for price gouging when dealing with contractors after the storm. To make sure that you are hiring a contractor who will do a good job and will charge reasonable fees for their services, only hire contractors from reputable and established companies in your area. Once you have decided on a contractor, they will begin repairs and the insurance company will reimburse you for their work. You may be responsible for some out-of-pocket expenses.
Speak With An Experienced Storm Damage And Insurance Lawyer
If you have any questions about hiring contractors to perform repairs after a storm, consider speaking with a knowledgeable lawyer. Attorneys can help you understand your legal rights, options, and provide tips for hiring contractors after the storm. The insurance company may delay owed payment, devalue the damages even if appropriately documented, or deny your claim without a sound reason. If this happens, you can take legal action.
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