How to Make a Hurricane Insurance Claim
If you have ever made a hurricane insurance claim before, then you know that it can be a very complicated process. The unfortunate truth is that many people who are responsible for making hurricane insurance claims don’t understand the complicated process that comes with filing insurance claims, or they simply don’t follow the rules and regulations associated with filing a hurricane insurance claim. If you don’t understand what to do, then filing a hurricane insurance claim will be much more difficult for you and your insurance adjuster, as well as for your family.
Before you even contact your insurance company to make a hurricane insurance claim, you’ll want to keep yourself informed and prepared. The last thing that you want to do is to contact your insurance company and find out that they are not going to pay for the damage that you have suffered. The best way to do this is to take advantage of the resources that are available to you, such as books, phone calls, pamphlets, and home repair guides. It’s also a good idea to create a hurricane insurance claim checklist. This checklist will allow you to know exactly what needs to be done and replaced, as well as give you an idea of how much time you have left before the insurance adjuster calls you back.
After you have your insurance claim adjuster’s information, you will then need to be ready to go. You are going to need to visit the local hurricane insurance agent’s office and give them your information. This is the first step in the process, and it can make the difference between having your hurricane insurance denied and having your claim approved. Be sure to ask any questions that you may have.
If you find that you don’t have time to visit the insurance company and speak to a real person before your hurricane insurance claim is filed, then you can always call their offices or talk to an insurance attorney. The attorney may be able to help you if your insurance company isn’t willing to help you with the damage restoration. The last thing you want to do is get stuck with thousands of dollars in damage and not have a way to get the money to fix it.
The next thing you need to do is make an appointment with a hurricane insurance claim adjuster. This adjuster will be someone whose job it is to review your hurricane insurance claim and determine whether or not you are a candidate for a flood or hurricane insurance claim. There are a few things that your insurance adjuster will look at, such as your financial records. The adjuster needs to know exactly where you are now and when you were in the path of the storm. The last thing your adjuster wants is to deny your claim because he or she believes that you are too high risk to file a hurricane insurance claim.
After your insurance adjuster has reviewed your insurance claim, he or she will determine if they will pay you for your damaged property or try to get you to file a separate claim with your home owner’s insurance company. If you do decide to file a claim with your home owner’s insurance carrier, you need to make sure that you have proof of purchase. You should also make sure that your receipts and insurance policies indicate that your home was damaged by hurricane conditions. Even if you believe that you did not have a direct connection to a hurricane, your insurance company will still make sure that you get paid.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claim attorney. The information on this site is not intended to and does not offer legal advice, legal recommendations, or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.
The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information. This website contains links to other third-party websites. Such links are only for the convenience of the reader, user or browser; the ABA and its members do not recommend or endorse the contents of the third-party sites.