Dealing with insurance after a Hurricane

After a hurricane’s devastating damage, dealing with an insurance company and filing a claim properly can be overwhelming. At a time like this, it is easy for a mistake to be made. In this post, we’ll discuss some steps you can take after disaster strikes that will make dealing with your insurance provider and receiving compensation less stressful.

1. Document the Damage

As soon as it’s safe, document all damage. You want to accurately depict the damage that has occurred before any cleanup or debris removal has taken place. Take detailed photos and videos of affected areas, both inside and outside your home. Create a list of damaged items, noting their value. This documentation will be extremely important when filing your claim.

2. Have a public adjuster Review Your Policy

Insurance policies can have confusing legal terms that can make it difficult to comprehend exactly what type of damages your policy covers. By consulting experts at Property Damage Consultants, you will be able to understand what types of damage are covered, including wind, flood, and personal property. Knowing your coverage can help you set realistic expectations for your claim.

3. Keep Records

You must maintain detailed records of all communications with your insurance company, including dates, times, and names of representatives. Keep copies of any forms or documents you submit. Our adjusters will keep such records, but it’s important to keep your own as well, to help you stay organized and provide a clear timeline for your claim.

4. Understand the Claims Process

Familiarize yourself with the claims process, including timelines and possible delays. It may take time for your claim to be processed, especially in the aftermath of widespread damage. With a PDC adjuster, you can rest assured your claim will be handled as quickly as possible, however, insurance companies can often move at a slower pace, especially after a storm when so many of their resources are spread thin.  As a general rule, you can expect your claim to be resolved any time between 2 months to 2 years, depending on circumstances.