After a hurricane, you will have many things to take care of - and quickly. Time is short following a disaster, and many families understandably feel helpless and unsure of what steps to take next.
In these stressful times, one important step is to be proactive in preparing for hurricane damage claims. By contacting a hurricane claims attorney in your area, you can ensure you are well informed about your legal rights, understand the process of filing a claim, and have the necessary support to seek proper insurance benefits for your losses.
Remember, professional guidance on what to do is available, and taking action now can make a difference in recovering what you have lost.
Always Remember: Safety First
Before discussing the process of filing a hurricane damage claim, anyone involved in a hurricane must prioritize their safety and the safety of their loved ones. While the following steps are important, always ensure any areas are secure before taking any further action. In case of unsafe conditions, contact the relevant authorities or professionals to assess damage.
Document the Damage Before Cleanup Begins
Once you have confirmed the immediate area is safe, document the damage before starting any cleanup or repairs. This documentation will serve as crucial evidence when filing your insurance claim. Take photographs and videos of the affected areas from multiple angles, capturing the extent of the damage. Be thorough in your documentation, as every piece of evidence will contribute to a stronger claim.
Additionally, make a detailed list of damaged or lost items, including their approximate value. This inventory will help you estimate the total value of your claim and ensure the insurance company overlooks nothing when considering your compensation.
Damage and Loss Mitigation
While waiting for your insurance claim to be processed, you must take steps to mitigate any further damage and losses. This can include covering damaged areas with a tarp to prevent further water infiltration, removing any debris that may pose a safety risk, or taking measures to prevent mold growth.
By taking swift action to prevent additional damage, you are protecting your property and demonstrating a responsible approach to your insurance company. Be sure to keep records of any mitigation efforts you undertake, as these can be presented as evidence of your proactive approach during the claims process. You can also recoup the costs of these efforts as part of your claim.
Obtaining Repair Estimates
To accurately assess the extent of the damage and estimate the cost of repairs, you should obtain multiple repair estimates from reliable professionals when possible. Reach out to licensed contractors who specialize in hurricane damage and request detailed written estimates. These estimates will provide a clearer picture of the extent of the damage so you can make an informed decision when negotiating with your insurance company.
Maintain Receipts for Temporary Housing or Repairs
In some cases, hurricanes may render your home uninhabitable, requiring temporary housing arrangements. If you have to stay in a hotel or rent a temporary residence, keep all receipts and documentation related to these expenses. Your insurance policy may cover temporary accommodation costs, so keeping thorough records will facilitate the reimbursement process.
Keeping Everything Organized
Throughout the insurance claims process, it helps to keep all your documentation organized. Create a digital or physical file where you can store all the relevant paperwork, including:
- Hurricane and flood insurance policies
- Photographs and video files
- Repair estimates
- Receipts
- Any correspondence with authorities, relief organizations, or contractors
- Any correspondence with your insurance company or hurricane claims lawyer
Having everything in one place will make it easier to track progress, refer back to specific details, and provide necessary documents if insurers request them.
Review Your Insurance Policy and Understand Your Deductibles and Coverage
Familiarize yourself with the details of your insurance policies and understand the coverage they provide for hurricane damage claims. Many people believe they know their coverage until it comes time to file a claim. Then, they are surprised to learn they have limited coverage, extended waiting times, or deductibles they cannot cover.
Many hurricane policies do not become effective for 30 days from the purchase of the policy. So, if a hurricane hits 28 days after you purchased the coverage, you might not have coverage at all.
Pay close attention to deductibles, which are the amount of money you must pay before your insurance coverage kicks in. In 19 states and Washington, DC, storm damage policies have deductibles that kick in only when damage stems from a “named storm,” like a hurricane. These deductibles can range from one to ten percent of the home’s value, meaning the homeowner can have a significant responsibility.
For example, if your home is worth $500,000, and your deductible is five percent, you must pay $25,000 before your coverage begins. Understanding your deductibles allows you to assess whether it is worth filing a claim or covering the damages out of pocket.
Additionally, review the coverage limits and exclusions in your policy. Awareness of what is and isn't covered will prevent any surprises during the claims process. If you have any doubts or questions about your policy, consult a hurricane claims attorney who handles hurricane claims to clarify any uncertainties.
Consult a Hurricane Claims Lawyer Now
Dealing with damage, loss mitigation, understanding insurance policies, and the claims process after a hurricane can be overwhelming, to say the least. Consulting a hurricane claims attorney can provide valuable guidance and protect you and your family throughout the claims process.
The right hurricane claims lawyer has experience dealing with insurance companies and understands the tactics they use to delay, deny, or minimize payouts. An attorney will negotiate with the insurance company on your behalf and ensure adjusters handle your claim fairly and efficiently. They can also identify any legal options you have if your claim is denied or disputed.
While the aftermath of a hurricane is chaotic and stressful, you don't have to face the challenges of filing a hurricane damage claim alone. An experienced hurricane claims attorney can be your advocate and guide.