10/07/2024
Before The Storm:
~Take photos of your property- Interior of Home, Exterior of Home, Roof, Pool and Pool Area, Fencing, Trees, Front Yard, Back Yard.
~If you are not able to take photos before a storm, collect the most recent photos you have taken of your property.
~Document belongings- with proper documentation, you may also be able to recover lost expenses for home contents, personal property, and other items. Here is a list of some items to consider keeping receipts for or appraising: Televisions, Furniture, Jewelry, Artwork, Appliances, Computers, Antiques, Beds, Decks, Other Electronic Equipment
~Know what is in your homeowner's insurance policy.
~Have records of your property's condition in the event that you need to file a claim with your insurance company.
~Review your mold coverage.
~Review your flood coverage. This is normally a separate insurance policy.
~Ask your insurance agent about coverage for water damage, law and ordinance, debris removal, and additional living expenses.
~Check your hurricane deductible, it can be much higher than your regular deductible.
~Have a plan to move yourself and your family - especially those with special needs.
~Have a portable radio, TV or NOAA Weather Radio on hand to monitor important information.
~Homeowners who depend on well water should draw an emergency supply.
~Get cash or travelers checks in case banks or ATMs are not operational.
~Ensure all your electronic/mobile devices are fully charged.
~Gather important documentation and place in a waterproof container.
~Make arrangements for pets; emergency shelters may not let you bring your animals with you.
~Find out where the nearest shelter is located and the routes to get there.
~Fill your automobile(s) with gas or ensure your electric vehicle is charged.
~If you have an emergency power source, learn how to use it properly.
After The Storm:
~When it is safe to do so, photograph your property’s: Interior, Exterior, and Roof.
~Consult with an attorney experienced in handling insurance claims before giving any recorded statements or meeting with an adjuster assigned to the claim.
~Call the insurance carrier and timely report the claim.
~Homeowners should obtain an inspection by a qualified contractor and/or roofer to assess whether the hurricane force winds have damaged or diminished the roofing system and building envelope.
~Take photos and record the questions and answers when talking to adjusters.
~Make sure to keep track of the name and number of every person you talk to at your insurance company.
~Check your Co-Insurance penalties.
~Make a copy of the insurance policy and keep it in a safe place.
~Check your policy coverages and sublimits.
~Just because water has not begun to enter the structure does not mean that there is not damage to their property.
~We have seen too many homeowner claims where an engineer is hired months after the storm and the engineer states the damage preexisted the hurricane.
