If you’re a hurricane victim, it can be difficult to understand how much damage your home has sustained – especially if the storm made landfall during the night. This kind of unpredictability makes it hard for victims to know what their next move should be.
Many of those who have had to make a claim after a hurricane shares their experiences in an attempt to provide guidance and support for those who are still trying to sort out insurance issues.
Your first steps
Your first step should be to contact your insurance company to find out what caused the damage and whether you have a claim. If you filed a claim before, you may need to file it again.
You will also need to contact your homeowner’s insurance policyholder’s agent and check if there is any coverage available for hurricane damage. You should also speak to the contractor or individual who did the work. The contractor will tell you what sort of liability coverage they have, and how much it covers for each event.
Is hurricane damage covered?
The insurance policyholder and the contractor will tell you whether they’ve included hurricane damage in your estimate or if it’s a separate claim. If you use an insurance company, make sure that they will not ask for additional information about the hurricane damage, since that could affect your decision to file a claim.
If you use an independent contractor, make sure to ask them if your storm is covered. However, make sure that the contractor shows you their most recent hurricane damage policy.
What does insurance cover for hurricanes?
Whether or not hurricane damage is covered, you will still need to file a claim with your insurance company. If the hurricane damage is not covered by your homeowner’s insurance policy, it’s important to know that you are still eligible for federal emergency aid.
Even if you don’t think that you have suffered enough damage to warrant a disaster assistance application, make sure that you fill out the form and return it as soon as possible.
How long after a hurricane can you file an insurance claim?
It is important to report damage within 72 hours of the hurricane if you have an adjuster on site. If you have a homeowner’s policy, you have three years to file your claim. If you do not have an insurance company, it is recommended that you wait at least 30 days before applying for disaster assistance.
How do I file a hurricane insurance claim?
You will need to file an application for disaster assistance. This is financial help that helps to fill in gaps in your home insurance and replace your personal property.
You must submit this application online if you already have insurance coverage with an insurance company, or at least within 14 days after the disaster if you do not have any hurricane coverage at all. If you have lost personal documents like a birth certificate or tax documents, you should file this form with the Department of Public Safety.
Once you register for disaster relief, you will receive a letter from the federal government outlining the steps to follow in order to file your claim.
You will need to answer questions about how much damage you have suffered and whether or not it is covered by your insurance policy. You will also be asked if there are any personal items that cannot be replaced. This is important because if insurance does not cover something, then you cannot apply for disaster assistance on that item.
What do I need to file an insurance claim?
You will need to provide proof of your property damage. Make sure to take pictures and be organized. If you have a contractor’s claim, you will need the original estimate. If you have a claim with an insurance company, you will need proof of loss and the adjuster’s recommendations. You might also provide bank statements if there is evidence of repairs being made in advance of filing a claim.
How do I get the most out of my claim?
You will need to decide how much you want to prioritize your hurricane insurance claim. If you do not want to hire a lawyer, you can try to work out an agreement with the insurance company or contractor on your own. If this isn’t possible, then it may be worth hiring a lawyer.
Carrier claims have specific deadlines and guidelines that must be followed in order for the claim to be approved easily. You will need to make sure that the entire process goes smoothly – from beginning to end.