Downed tree and damaged home

Hurricane Damage Claims: Things You Need To Know

A separate policy for “storm insurance” does not exist. Instead, you can receive hurricane insurance by bundling your homeowner’s policy, flood policy, and any applicable endorsements, such as those for sewage backup or windstorms (in some states). But what do you need to know when filing for hurricane damage?

Preparation for the Insurance Adjuster to Visit

If an insurance adjuster needs to visit your house, you should be ready to share as much information and evidence as possible concerning the damage. Be prepared to provide the insurance adjusters with images of the damage if they want them. Keep a record of everything that has been broken.

Ask your insurance broker or adjuster if you need a proof of loss document. To expedite the processing of your claim, please fill it out as completely and precisely as possible. We only need a detailed description of the destroyed equipment, the original purchase date, and the current replacement value.

Understand How Your Policy Handles Repairs

It’s frustrating for anyone to have to wait for compensation claims while their house falls apart. To want to get started on repairing your house as quickly as possible is only normal. But, you should be aware that the outcome of your hurricane insurance payout may be impacted by any repairs you make to your house immediately following a hurricane.

Get in touch with your insurance company first before beginning repairs. Placing a tarp over the roof is one example of a temporary remedy, but before you do so, you should check with your insurance to be sure doing so won’t harm your claim.

Determine the Extent of Your Insurance Coverage 

The policy’s coverage and limits will determine many procedures for filing an insurance claim after a hurricane. Make sure you’re covered in the event of a hurricane or other designated tropical storm before taking any action. Southeast Public Adjusters services include aiding you with hurricane insurance claims, fire and mould damage, theft claims, business interruption, water and storm damage, and vandalism.

A storm claim and a separate flood damage claim could be necessary. Most plans have an inflation-guard clause to account for rising construction costs in the area, ensuring that policyholders are adequately covered.

If you have replacement value insurance, your provider will pay for repairing or replacing the destroyed property with a new one. There is a chance that you can use your insurance to construct a new home comparable to the one you lost in the event of a total loss.

Document All of Your Expenses and Receipts 

Maintaining communication with your insurer when pursuing hurricane insurance claims will help you determine what hurricane recovery costs your insurance covers. Although the specifics of each policy will vary, you may be pleasantly surprised to hear that your hotel expenses will be paid for if your house is uninhabitable.

Keep track of everything you spend and submit a detailed claim to your insurance company. As soon as the storm has subsided, you can rest easy. Yet we also know that getting better isn’t always easy.

Contact the Experts for Assistance

Contact Southeast Public Adjusters today for assistance with your insurance claims against hurricanes. We are public insurance adjusters with the relevant licensing and expertise to represent you in matters that concern your property insurance. If you’re a homeowner insurance holder needing any of our services, our experienced professionals will be glad to help you.

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