Hurricane damage insurance claims
Hurricane is mainly a combination of strong wind and heavy rain. Hurricane my cause both wind and rain damage to property. In some parts of US, the hurricane seasons begins on June and ends on November (in east coast Atlantic Basin). In west coast (Pacific Basin) the hurricane seasons begin in May and end in November.
If a property suffered a hurricane damage, the property owner will need to follow these steps:
- Call the insurance company immediately and file a claim;
- Save all receipts for storm related expenses and document the damages to your property;
- Make sure that the property is protected from further damage;
- Contact the local authorities and go to your local shelter (i.e. FEMA);
- If there is a danger of a gas leak or electrical power line damage, turn off the gas and electricity and contact the local utility companies.
During the natural disasters, such as hurricanes, most insurance companies become overwhelmed with high amount of claims that are filed at the same time. It may take some time before the insurance adjuster can visit the property that sustained hurricane damage.
If the policy holder hires an independent public adjuster, the claims processing time may be dramatically reduced. The public adjuster may be able to assist the policy holder in properly documenting and submitting the hurricane damage information to the insurance company.
Additionally, an independent insurance public adjuster will read the policy and provide a better idea on what coverage are available for the hurricane damage. Average hurricane damage claim may consist of exterior and interior damage to the structure.
The property owner should hire a licensed contractor to perform hurricane damage repairs. During the claim related repairs, some additional code upgrade related repairs may be needed. Most policies have code upgrade coverage or Ordinance and Law Coverage. This coverage is very important for older buildings. The older buildings may need to upgrade the damaged items to comply with the most recent codes
A public insurance adjuster may assist the policyholder in dealing with their insurance company and any other parties involved in the insurance claim process and the repairs.
CALL OR E-MAIL US TODAY FOR A FREE CONSULTATION (even if you have already filed a claim with your insurance company and received a settlement or a denial).