10 Tips for Dealing with Hurricane Damage Insurance Claims

10 Tips for Dealing With Hurricane Damage Insurance Claims Hurricanes cause extensive damage.

Unfortunately, your insurance may not cover all of this damage.

A standard policy could leave you with much less compensation than you expect after a loss – even if you have a good insurance company.

Here are 10 tips to help...

Claimsmate.com

Home Insurance Doesn’t Cover Flooding Home insurance does not cover damage caused by water rising up into your home. Homeowners are only covered if they had flood insurance.

You Can Buy Flood Insurance From the Government or Specialty Insurers You can buy specialty flood insurance from the National Flood Insurance program or from a specialty insurer. NFIP coverage works similar to a standard insurance policy.

Auto Insurance Covers Vehicle Damage After Flooding All vehicle damage after a loss is covered by your auto insurance policy – not your home insurance policy. You make a claim through your auto insurance policy.

Take Photos and Videos Immediately After a Loss Once it’s safe, take photos or videos of the hurricane damage immediately after the loss. The more photos and videos you have of the damages, the easier your claim will be.

Insurance Covers Certain Living Expenses After a Hurricane If your home is damaged and unlivable after a hurricane, then your insurance should cover hotels, meals, and other living expenses after the loss.

Hurricane Claims May Have Higher Deductibles In recent years, insurers have quietly added higher deductibles for certain types of severe weather events.

Check your insurance policy to verify your deductible requirements.

You May Receive Additional Compensation from the Government The state and federal government and non-profit organizations may provide additional assistance to hurricane-struck regions – particularly after a major disaster.

You May Be Eligible for a Low-Interest SBA Loan to Rebuild or Repair Your Property After an emergency, the United States Small Business Administration (SBA) provides low-interest loans to help people repair or replace damaged property.

You Can’t Adjust Insurance Coverage After a Hurricane is Named For hurricanes, most insurers prevent you from adjusting your policy, changing your coverage, or adding new coverage after a hurricane has been named.

Understand How Insurance Covers Fallen Trees Hurricanes can leave many fallen trees in their wake.

Fallen tree insurance claims can seem messy, but they’re straightforward.

Homeowners aren’t hurricane claim experts – and that’s okay.

By researching your policy, verifying your coverage, and understanding your options before a hurricane strikes, you can protect your biggest investment from a serious natural disaster.

For expert hurricane insurance claim assistance, contact ClaimsMate today and get a free consultation with a public adjuster.

Any questions?

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