It’s not uncommon for Florida homeowners to incur significant damage to their homes and properties when a hurricane ravages their community. Although your insurance company may cover all or at least a portion of the damage, this isn’t always the case. The first step you should take is to get out your homeowner’s insurance policy and find out what is and isn’t covered. Typically, flood insurance coverage is sold separately from homeowner’s insurance.
Your policy should explain the claims filing process as well as how long you have to file it. Furthermore, it should tell you if a deductible is required and the amount of it. This is the amount you’re responsible for paying before your homeowner’s insurance covers the balance due. As a homeowner, you should take pictures or videos of your business or home property immediately after the storm has passed. This helps to verify that the storm caused the damage to your property and not some other event. It is best to ensure that you have some photos of the house before the same damage.
You should also take steps to ensure that no addition, al damage occurs. For example, put wet items outside so they dry out and don’t develop mold and cause future damage to your home. Be sure to speak with your insurance agent and should ask them if they have any additional concerns for you to deal with immediately. If you discover roof or other damage, your policy may provide the coverage you need to repair this. Avoid doing any clean-up or making repairs before turning this matter over to your insurer. It might be better to hire the services of a lawyer to deal with the insurance adjuster.
Remember that it’s in your best interests to file your claim as accurately and quickly as possible since your insurer probably operates on a first-come / first-serve basis. Be sure to check as each insurance company is different. Make a note of who the contact person is if you’re unable to speak directly with your agent. Have an inventory of the damages available and inform them as to where you’re living is your home suffered extensive damage and is uninhabitable.
At this point, an adjuster should schedule an appointment to come out to assess the damage and determine how much to pay you. Be diligent and patient during the claims process. Make thorough notes and take plenty of pictures. Remembering, the recovery time following a natural disaster can be lengthy. But being smart about things can make the process much more bearable. For more information about filing a damage claim, contact the Korin Law, P.A. firm today.