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Storm Recovery Tips

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• Immediately Document Losses

  • Before removing debris or broken belongings, document your losses to proivde to your insurance company. Take photos and/or video. Make a list of the damages and/or all damaged items.​

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• Consider Making Tempory Repairs​​​

  • Take reasonable steps to avoid further harm to your home or belongings, but do not put yourself in danger. Consider calling a professional. Temporary repairs are typcially reimburesed as part of the claim.​
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• File Claims Immediately

  • Contact your agent or submit your claim immediately following a loss. Notifying your Insurance Carrier is likely required within a certain time frame. ​
     

• Provide Complete, Correct Information

  • Incorrect or incomplete information will delay the processing of your claim. When reporting your losses, have your insurance information, current contact information, and any related documents on hand.
     

• Keep Copies of Correspondence

  • When you communicate with anyone during the claims process, keep copies and records of all correspondence. Write down information about your contacts, include the date, name and title of the person you spoke with, and what was said. Keep a record of your time and exepsnes.
     

• Claims Process

  • After you file your claim, your insurer will assign a claims adjuster to asses the damage. They will provide documentation of the loss to the Insurance Carrer to determine your claims settlement. If there is a mortgage on your home, the payment for structural damage may be payable to both you and your mortgage lender. Lenders may put that money in an escrow account to pay for the repairs as the work is completed.
     

• Ask Questions

  • If you have any questions or concerns throughout the claims process, be sure to share them. If there is a dispute, ask your insurer for the specfic language in the policy that is in question. Find out if the disagreement is beacuse you and the Insurer interpret your policy differently.​
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