Storm Damage Insurance Claims: Tips for a Smooth Process

Severe weather events, especially storms, are the most devastating experiences for every human. They leave a trail of damage and disruption behind. In the aftermath, many people find themselves facing the huge challenge of repairing their properties and getting their daily lives back to normal.

While the emotional toll of property damage can be intense, understanding the insurance claims process can significantly lower your burden.

In this blog post, we will shed light on practical tips that will help you navigate your storm damage insurance claim smoothly. Through these tips, you will be able to ensure that you receive fair compensation for the damage you have endured due to the storm.

Before the Storm Hits: How to Prepare for Your Insurance Claim?

The best way to prepare for a difficult claims process is to take action before a storm hits. You should be proactive and use effective measures. This can make a big difference when you file your hurricane damage insurance claim. This approach involves:

Knowing Your Policy Inside Out:

Many homeowners assume their policy covers all types of storm damage. However, this isn’t always the case. For instance, water damage is the leading cause of home insurance claims, yet coverage for specific types of water damage often requires additional endorsements(like overland flooding or sewer backup coverage).

That’s why you need to take time to thoroughly review your policy. You should understand your coverage limits, deductibles, and exclusions for wind damage insurance claims. If you are unsure, the adjusters at Onyx Adjusting are there to help you understand your coverage. It is your right to get an easy-to-understand explanation of your coverage.

Creating a Comprehensive Domestic Inventory:

Imagine trying to list every single item in your home after a devastating storm. It is an overwhelming task. A detailed home inventory, complete with photos and videos of your belongings, receipts, and serial numbers, can be invaluable.

This documentation will help you serve as concrete evidence of your possessions & their value. This will further streamline your tornado damage insurance claim process if you need to replace the damaged items.

You also need to update the inventory regularly, especially after making significant purchases.

Documenting the Condition of Your Property:

You should always have the “before” pictures or videos of your property, paying close attention to vulnerable areas like your roof, siding, and foundation. This visual record can prove the condition of your home before the storm.

This will further help you prevent disputes and pre-existing damage if a claim arises.

Immediate Actions and Documentation Required When a Storm Arises

Once the storm has passed on, you need to take some immediate actions after you feel safe to do so, as given below:

Prioritize Safety:

The safety of your family comes first. You should assess the situation for immediate hazards like downed power lines, structural instability, or gas leaks.

If your home is unsafe to inhabit, you should seek alternate accommodations. Your policy may cover additional living expenses if your home is not suitable to live in due to an insured loss.

Prevent Further Damage:

You are responsible for preventing further damage to your property, which makes it essential for you to mitigate additional damage. For instance, the roof of your home is leaking. To avoid further damage due to the leakage, you need to place tarps to lower water intrusion.

Additionally, if a window is broken, board it up immediately. Keep all receipts of all temporary repairs or expenses incurred during this mitigation phase, as they may be reimbursable. At the same time, put a hold on permanent repairs until your insurer assesses the damage.

Document the Damage Comprehensively:

This is the most crucial step to take before placing claims for insurance. As soon as the situation is safe, you should meticulously document all damage. Here’s what you need to have:

Photographs and Videos:

You need to capture clear, well-lit photos and videos of all damaged areas and items from multiple angles. You should also include close-ups and wider shots to provide context. Timestamped evidence will also be ideal.

Detailed List:

Create a comprehensive list of damaged or destroyed property. Be as specific as possible, including brand names, models, and approximate purchase dates.

Avoid Discarding Damaged Items:

Unless they pose a health hazard, avoid disposing of damaged items until the insurance adjuster has gotten them inspected.

Contact Your Insurance Company Immediately:

You should report the damage to your insurance company as soon as possible. While you generally have two years to file a claim, it is always advisable to report the damage promptly. Most insurance companies offer 24-hour claims service.

You need to provide accurate and complete details of the incident. Note the date and time of your call, the name of the representative you spoke with and any claim number provided.

What to Expect During the Claims Process and How to Represent Yourself?

Once your claim is filed, an adjuster will be assigned to your case. Here’s what you need to expect while working with the adjuster:

Cooperate With Your Adjuster:

Your claims adjuster will investigate the cause and extent of the loss. You need to be available, provide honest answers to their questions, and promptly submit any requested documentation. The goal is to ensure a smooth and timely assessment.

Understand Your Rights as a Policyholder:

As a policyholder, you hold certain rights that include:

Right to be Informed:

You have the right to clear information about your policy, coverage, and the claims settlement process.

Right to Timely and Transparent Claims Handling:

You can expect qualified staff to respond to your claim promptly and be informed of the timelines and status of your claim.

Right to Complain Resolution:

If you are dissatisfied with the claims handling, you have access to your company’s complaint resolution process.

Get Multiple Quotes for Repair:

Your insurer will provide an estimate for the damage. However, you are generally free to choose your own contractor and supplier for repairs. You should obtain multiple detailed estimates from reputable insurance contractors.

To Summarize

Navigating a storm damage insurance claim can be an uphill experience. However, by being prepared, acting promptly, and understanding your rights and responsibilities, you can ensure a smoother process and a quicker path to recovery.

Remember, a proactive approach before the storm, coupled with your diligent documentation and communication afterward, can help you secure a fair and justified insurance settlement.

A storm may ruin your home and disrupt your daily life. But with Onyx Adjusting, you can ensure that you get the right amount of settlement to rebuild your home and life. Let us deal with the complexities and help you rebuild your life. Contact Onyx Adjusting now!