No one wants to deal with the aftermath of a major storm, but unfortunately, it’s a reality many homeowners face. Whether it’s damage from high winds, heavy rain, hail, or a combination, the process of filing an insurance claim can be daunting. However, taking the right steps can help ensure you get the coverage you’re entitled to and get your home repaired as quickly as possible.
Here’s what to do when your home is damaged by a storm.
Document the Damage
The first and most important step is to thoroughly document all the damage to your home. This means taking detailed photos and videos, making notes about the extent and location of the damage, and keeping any receipts for emergency repairs or other expenses. The more comprehensive your documentation, the stronger your insurance claim will be.
It’s also a good idea to make a list of all damaged or destroyed items, including their age, purchase price, and estimated replacement cost. This will come in handy when you’re filing your claim.
Contact Your Insurance Provider
As soon as it’s safe to do so, contact your insurance company to report the damage and file a claim. Most providers have 24/7 hotlines or online reporting tools to make this process as easy as possible.
Start Emergency Repairs
In many cases, you’ll need to take immediate action to prevent further damage to your home. This could mean tarping a damaged roof, boarding up broken windows, or removing water from flooded areas.
Keep all receipts for the materials and labor used for these emergency repairs, as your insurance provider may reimburse you for those costs. Just be sure to get approval from your insurer before undertaking any major work.
Work with Your Adjuster
Once you’ve filed your claim, an insurance adjuster will be assigned to your case. They will inspect the damage to your home and provide an estimate of the repair costs.
When the adjuster arrives, have all your documentation ready. Walk them through the damage, point out any areas of concern, and provide your own estimate of the costs involved. The more information you can provide, the better.
If you disagree with the adjuster’s findings, don’t be afraid to negotiate or request a second inspection. Your insurance policy entitles you to a fair settlement, so stand your ground if you feel the initial offer is insufficient. Our team is here to help you resolve any claim issues.
Be Patient and Persistent
Filing an insurance claim after a major storm can be a lengthy and frustrating process. There may be delays, bureaucratic hurdles, and unexpected complications along the way. The key is to stay patient, persistent, and meticulous in your documentation.
Don’t hesitate to follow up with your insurance provider, request status updates, and push for a timely resolution. The more proactive you are, the better your chances of getting the coverage you deserve and restoring your home to its pre-storm condition.
Do you need help filing a property loss claim after a storm? Visit our office at the following address.
200 Lake Morton Drive, Suite 300, Lakeland, FL 33801.
Call us today for a free consultation on (833) 941-7867.