Are you fairly compensated by your insurance company for all hurricane damage on your property or business?
Here are some of the first steps that you can take to make sure that you are:
- Contact your insurance company as soon as possible to notify them of your property damage or loss. Inform them of the extent of the damage as insurance adjusters visit the most damaged properties first. Don’t forget to write down your claim number. This will make it easier for the insurance company to find your file whenever you are in contact with them.
- Take photographs and videos of any damage to your property. This includes damaged appliances, furniture, electronics, etc.
- Make a list of any missing or destroyed items. Include when the items were purchased and the value of each item, to the best of your knowledge. If you still have access to receipts for damaged items, gather these together to give to your insurance adjuster.
- Take steps to prevent further damage. Once everything has been documented, do what you can to prevent any further damage. For example, if there is a hole in your roof or a broken window, cover the holes with a tarp and board up any broken windows. Do not make any permanent repairs, and do not throw away anything that is damaged until the property has been assessed by the insurance company. If your town is requiring that you discard something for safety reasons be sure to photograph or video the items.
- Keep all hurricane-related expense receipts caused by destroyed property or lost business. If your home is uninhabitable, your expenses include the cost of staying in a hotel and other additional living expenses. If you lost business, keep track of those losses as well.
- Keep a record of each time you are in contact with your insurance company. Keep a claim journal during this process. Document the name, date, time, and notes of each person you interact with from your insurance company as well as any other relevant information.
- Hold on to all relevant paperwork the insurance company sends you.
- Start getting bids for permanent repairs. Contact reliable contractors and document the item that needs to be repaired and the proposed cost of the repair. The recommendation is two bids for each repair. This step will speed up the repair process. Give this information to the insurance adjuster.
Are you affected by the Hurricane Damage Insurance Claim? Send us a message today to see if you are entitled to join the lawsuit investigation.
What Insurance Companies Cover in the Event of Hurricanes
Insurance plans vary but the most basic plans include:
- Dwelling Coverage (Coverage A): This is the primary component of any home insurance policy. This coverage pays to repair or rebuild the damage caused to the physical structure of the home caused by house fires, severe weather, falling objects, or vandalism.
- Other Structures (Coverage B): This includes coverage for things such as a garage, pool screen, sheds, and fences.
- Personal Property (Coverage C): This covers items such as furniture, clothing, electronics, and appliances.
- Alternate Living Expenses (ALE)/Loss of Use (Coverage D): If your home is uninhabitable while it is being repaired, you will need to find temporary housing. This covers such additional costs you may incur.
- Business Interruption Losses: Business interruption insurance will pay for income lost because of a disaster.
Floods are usually not a part of an insurance plan unless a separate insurance was purchased for food damage. However, if the flood damage was caused by rain getting into a home because of a hurricane damage such as the roof blown off from the house, insurance policies may cover the damage.
Federal funds may also be available to those whose homes suffered flood damage if the storm was declared a national disaster.
Editor’s note on Hurricane Damage Insurance Claim Class Action Lawsuit Investigation:
This piece is written about the Hurricane Damage Insurance Claim Class Action Investigation. If you are considered eligible to be among the class of consumers described in the class action lawsuit investigation, you may eventually be able to participate in receiving any compensation the court may award.
If you believe that what is alleged in the Hurricane Damage Insurance Claim Class Action Lawsuit Investigation has affected you, please don’t hesitate to reach out to us.
We’d be happy to help you take a step in the right direction, fight this issue, and better enable you to join in on any potential consumer class action. If interested, please send an email to Outreach@ConsiderTheConsumer.com, find us on Twitter or Facebook, or even connect with us directly on our website! We look forward to hearing from you all.
Similarly, please check out our current list of Class Actions and Class Action Investigations, here.
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