Dealing with the aftermath of a storm can feel like a daunting task, from assessing the damage to repairing and replacing all the items that may have been impacted. Filing a storm damage claim can be a complicated process, however, having a general understanding of the steps behind filing a claim can bring peace of mind to you and your family.
What You’ll Need to File a Claim
Before you begin the claim process, it’s important to have all the details of your insurance policy handy. Gathering the necessary information ahead of time will streamline the filing process and help ensure that you receive the compensation you need. The typical requirements that you will need to file a storm damage claim include:
- A complete list of damage done by the storm
- Pictures of the damaged items
- Receipts for damaged items
- Detailed descriptions of damaged items
- A copy of your insurance policy
For documentation, a camera or your cell phone can be adequate tools.
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Filing a Storm Damage Claim
When filing a storm damage claim, you’ll need to contact your insurance company as soon as possible after the damage has occurred. An representative from the company will be able to walk you through the filing process and answer any questions you may have.
1. Report the Damage
First and foremost, report the damage to your insurance provider. Be sure to provide as much detail as possible and any receipts you may have for items that were damaged. Read more about Claim Investigation.
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2. Schedule an Inspection
The insurance provider will likely schedule an inspection to assess the damage and ensure that the claim is valid. During the inspection, the adjuster will evaluate the extent of the damage and determine the amount of compensation that you are eligible to receive.
3. Have the Damage Repaired or Replaced
Once you have obtained the necessary compensation, arrangements should be made to repair or replace the items damaged in the storm. Before having any work done, verify that the service provider is licensed and bonded and obtain several quotes to get the best price.
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Conclusion
Although storm damage can be a stressful experience, understanding the claims process before you encounter an issue can make all the difference. Knowing who to contact and what documentation is necessary will ensure that your storm damage claim goes as smoothly as possible.
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Ian hurricane – Water damage – Roof damage – Wind damage – Storm damage – Fire damage – Denials – And more… ask us!