08/27/2021
What to do if you’re hit by Hurricane Ida, you'd probably be eager to get the insurance claims process rolling so you can recover. But where do you start? And how can you make sure to get the payout you're entitled?
Follow this checklist to avoid costly mistakes and delays as you put your life back in order.
✨Alert your insurance company.
✨Any damages by flood are only covered by FLOOD insurance.
✨Wind damage MAY be covered by your homeowners insurance.
✨Car damages will need to be filed under your comprehensive auto coverage.
✨Tell your insurer if you need emergency service.
✨Save any receipts on expenses for repairs; your insurer should reimburse you.
✨Document the damage: photograph or video any damage to your home, yard, belongings and vehicles.
✨Cover up holes in your roof or windows, but dont throw away any damaged items until an adjuster documents them!
✨Start a claim log: Save copies of all claim forms you fill out in one place. Log dates, names and contact information every time you talk to someone about the claim, as well as what you discussed. This can save time if you need to recall key details later or if you get contradictory information.
After you start your hurricane claim:
✨Meet with your insurance adjuster. Your insurer will send an adjuster to look at the damage and collect any records and receipts.
✨Get repair estimates.
✨Prepare to wait - Due to high demand for contractors after hurricanes, it may take longer than expected for the cavalry to arrive.
✨Watch out for fraudulent contractors! As you wait, you might get unsolicited offers from contractors to fix your place or clear debris right away. These may be con artists looking to pocket a quick payment and never return.
✨Collect your claim payments: Your insurer will notify you once each claim has been processed and your settlement offer is ready. If you’re satisfied, your insurer will issue your check.
In some cases, construction companies arrange for insurers to pay them directly. Make sure you’re happy with any work that’s been done before you authorize payment.
✨Reopen the claim if you discover more damage: : If you notice new hurricane-related damage, don’t hesitate to reopen a claim.
