Filing an insurance claim for hurricane damage might sound like a stressful process, but with the right documentation and organization, it doesn’t have to be. Follow these four important steps to help make filing a claim as hassle-free as possible.
The first step is to contact your insurance company as soon as possible, even if you haven’t finished assessing all of the damages yet. You will need to provide a general assessment of how severe your damages are, as insurance companies generally try to deal with the highest impacts first.
Once you’ve initiated the insurance claim process, you’ll need to carefully document any and all damages to your home or property. Do this by going from room to room, taking detailed photos and maintaining a running list of damages.
[pullquote]Do not discard any damaged items without talking to your insurance company first.[/pullquote]
Staying organized when filing an insurance claim for hurricane damage can be incredibly helpful. Keep a claim diary with all paperwork, documentation, bills related to the damage and a list of names and titles of people to whom you’ve spoken regarding your claim.
Most insurance companies now offer SMS/text alerts to help keep you updated on the status of your claim. When you sign up for this service, you should receive an alert right to your phone when you first file your claim, when your damages have been estimated and when you should receive payment.
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