Hurricanes, with their devastating power, can leave a path of widespread hurricane damage in their wake. In the aftermath of such a storm, dealing with the extensive damage to your property can be overwhelming. But one crucial step in the recovery process is working with your insurance company to file a claim. An insurance adjuster will then be sent to assess the hurricane damage and determine the value of your claim. Here’s how to prepare for their visit and ensure a smooth claims process.

Before the Storm Hits: Know Your Policy

While you can’t predict a hurricane, you can be prepared for the aftermath. The best time to understand your insurance coverage is before a disaster strikes. Here’s what you should know:

• Coverage: Does your policy cover hurricane damage? Standard homeowner’s insurance typically covers wind damage but may require a separate flood insurance policy.
• Deductible: This is the amount you’ll pay out of pocket before your insurance kicks in. Knowing your deductible will help you manage expectations for the claim payout.
• Inventory: Take a video walkthrough of your home, documenting your belongings. This will serve as a valuable reference when creating a list of damaged items.

 

After the Hurricane: Document Everything

Once the storm passes and it’s safe to do so, begin documenting the damage:

• Photos and Videos: Take comprehensive photos and videos of the exterior and interior of your property, capturing all the damage. Include close-ups of specific areas and wide shots for overall context.
• Detailed Notes: Document the date and time of the damage, the cause (e.g., wind, water), and a brief description of the damage for each item or area.
• Receipts: If possible, gather receipts for your belongings, especially high-value items.

Securing Your Property and Taking Temporary Measures

While safety is paramount, taking some temporary measures can help minimise further damage and demonstrate your efforts to the adjuster:

• Board Up Broken Windows and Doors: Prevent further wind or rain damage and deter potential looters.
• Tarp Your Roof: Protect your home’s interior from additional water damage.
• Move Salvageable Belongings: If possible, move undamaged belongings to a dry location to prevent further deterioration.

 

Contact Your Insurance Company

• Report the Claim Immediately: Don’t delay! Contact your insurance company as soon as possible to report the damage and initiate the claims process. They will likely provide you with a claim number and instructions on how to proceed.
• Be Prepared to Answer Questions: Be prepared to answer questions about the damage, your contact information, and your policy details.

 

Preparing for the Adjuster’s Visit

• Schedule the Inspection: The insurance company will schedule an appointment for an adjuster to visit your property. Be flexible with scheduling, as adjusters may be overwhelmed after a major hurricane.
• Gather Documentation: Have all your documentation readily available, including photos, videos, notes, receipts, and your insurance policy.
• Be Present During the Inspection: Walk the adjuster through the damage, explaining the details you documented.
• Don’t Sign Anything Until You Understand: The adjuster may present you with a settlement offer. Don’t feel pressured to sign right away. Take your time to review the offer and ask questions if necessary.

 

Additional Tips

• Don’t Throw Away Damaged Items: Unless the adjuster explicitly says it’s okay, hold onto damaged belongings until the inspection.
• Be Honest and Accurate: Don’t exaggerate the damage or make false claims. This can jeopardize your entire claim.
• Keep Records of Communication: Maintain a record of all communication with your insurance company, including dates, times, and the names of the people you spoke with.
• Consider Public Adjuster: If you feel the initial offer is unfair, you can consider hiring a public adjuster to represent you and negotiate with your insurance company. However, public adjusters typically take a percentage of your final settlement.

Remember:

• Document Everything: The more thorough your documentation, the stronger your claim will be.
• Be Prepared: Know your policy, gather documentation, and be ready to answer questions.
• Don’t Rush the Process: Take your time to understand the adjuster’s report and settlement offer before accepting.

Final Thoughts

In the face of a hurricane’s devastation, navigating the aftermath is undeniably challenging. By being prepared for both the insurance adjuster’s visit and understanding the claims process, you can ensure a smoother experience. Additionally, considering the services of a NL public adjuster can maximize your chances of receiving a fair settlement to help you rebuild your life. These specialists work for you, not the insurance company, advocating for your best interests and ensuring a thorough damage assessment and claim negotiation.