Filing Insurance Claims
The following steps should be taken to file an insurance claim for hurricane damage to your home.
- Call insurance adjuster immediately.
- It's important to follow up on your call with a letter detailing the problem. Keep a copy of the letter.
- Begin cleanup and salvage as soon as possible. Don't wait for an adjuster. But do take photos BEFORE any cleanup for use as an inventory.
- Keep damaged materials for proof of loss.
- Leave phone number where you can be reached when adjuster arrives.
- Adjuster will assess damages to house. Owner should sign proof of loss statement. Additional damage can be added when found.
- If looting occurs, report any theft to the police.
- Protect your property from further damage by making temporary repairs. Save receipts for reimbursement. If your home is uninhabitable, save all receipts relating to your temporary lodging and food.
- Make a list of damaged articles, and provide any other information the adjuster requests to process your claim. Prepare a copy of all information delivered to the insurance company.
- Review the settlement steps outlined in your policy. If you're dissatisfied with the proposed settlement offer, explain your position. If there's a significant difference between what the insurance company offers and what you believe you're entitled to, you may wish to submit the dispute to arbitration.
- Some policies impose time limits such as three, six or nine months. Other policies pay the difference between normal.