Tip 1 – Report Your Claim Even if it Doesn’t “Look that Bad” – whether your damage appears severe or not, you should report any suspected damage to your insurer and have them inspect your home if at all possible. Often damage shows up months or years after a serious storm, especially roof damage.
Tip 2 – Keep Good Records and Take Photos – Many times after a disaster, photos get lost. Try and keep a set of photos from before and after the loss. Video works well too. Collect all receipts for any hurricane repairs and keep a logbook of people you speak with.
Tip 3 – Prevent Further Damage – Most insurance policies contain language that requires you to minimize losses. For example, if your roof is leaking, you should “tarp it” if possible to prevent further losses on the interior. This is usually a “reasonable” efforts standard but check your policy.
Tip 4 – Don’t Be Afraid to Get Help – Immediately after a disaster, “CAT” adjusters (catastrophe adjusters) come to the scene for several weeks and do damage assessment and write estimates. If you, your adjuster or your contractor have prepared a detailed list, that will help guide the insurance process.
Tip 5 – File a Proof of Loss for Flood Damage – This has to be done within 60 days after the loss. Ask your insurance company for the forms and make sure you keep proof that you submitted it.
Tip 6 – If you get a denial or lowball offer, talk to a professional – Sometimes after disasters, insurance companies don’t have the manpower to investigate claims thoroughly. While this shouldn’t be your problem, if often becomes one. There have been many cases where an insurer reverses a coverage decision after more information is provided. Consider finding an attorney who can help you re-present your claim.
Tip 7 – Report Additional Damage – Oftentimes after a disaster, the true scope of damage does not become clear until months after the storm. You can file a supplemental claim if you discover additional damage but as previously stated, you need documentation and/or reports to support the claim. We have found that the later the claim, the more likely the insurer is to drag out payment or refuse the claim altogether.
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