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How to Document Hurricane Damage before You File Your Insurance Claim 

home insurance claim documentationIf you’ve been affected by Hurricane Irma or another major storm, returning to your home and picking up the pieces can feel like an overwhelming task. But it’s crucial that you take the time to properly document any damages to your home or property to file an insurance claim for hurricane damage.

These four tips can help you to get the right documentation and avoid a headache when dealing with your insurance company later.

1. Start with One Room at a Time

If your entire home has been impacted by the storm, you’re probably not sure where to start. Try tackling your damage assessment in small chunks, starting with one room and not moving to another until you’re sure that you haven’t missed anything in the first.

The documentation process can take some time, but it will be well worth it in the long run when you go to file your hurricane damage claim.

2. Create an Organized, Legible List

As you go from room to room, keep an organized list that you or someone else can easily read later. This list should include the contents of each room, a brief description of damages and any other notes you think you might need down the road.

Designate a binder or file folder to keep all of your insurance claim paperwork, related bills and documentation organized and easily accessible.

3. Include Photos

In addition to creating an itemized list, make sure you take plenty of photos of damages. The more photos you take now, the stronger your storm damage insurance claim will be.

4. Don’t Throw Items Away

Don’t throw any damaged items away before talking your insurance company first. If the item is a safety hazard, they may tell you to remove it or call in a professional to remove it after you’ve taken detailed photos.

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