In many cases, surviving a hurricane is only the beginning of a long and sometimes difficult journey along the road to r return to their homes to assess the damage and to do everything they can to minimize further losses of personal property. Aft finally return to your home to find it mostly intact, but you know that it will be quite some time before your life and your hom possessions, it’s time to begin the insurance claim filing process. Get on the phone with your insurance provider after first gath and double-check the amount of your deductible to speed up the process and to better know what to expect before you begin contractor you choose to perform the restoration of your home. Write down this number and keep it safe, because everything save you precious time in the future when dealing with all of the various details of the process.
It is important to know that insurance agencies will always prioritize their claims based on the severity of the loss, plac event of a catastrophic disaster, such as a hurricane that has affected a large number of clients. Be honest with the damages y that you and your insurance company have mutual interests, and they will most likely do everything they can to protect your i the long run. It is also your responsibility to do everything you can to stabilize the situation and to protect against ongoing dam your restoration contractor takes over. Keep all of your receipts, and document EVERYTHING. When it comes to filing a claim, cover meal expenses and temporary housing or hotel stays, so long as you can back it up with proof of your expenses. Try to k regarding the cost of the item, its age, and any applicable serial or model numbers. The restoration company you choose shou your case. Most insurance companies also have inventory software and worksheets you can use to help you keep track of you.
When it comes to choosing a contractor, be wary of the post-disaster scammers that flood the flood zones after a hur into making a decision, and NEVER pay in cash up front, at least not more than one third of the total, as this is a clear indicatio may only require the amount of your deductible, if anything at all, before they begin, and you will never be hit with another bi your policy. Always ask qualifying questions about the background and the office location of your contractors. Reputable comp with a local company, since they have a vested interest in upholding their reputation in the community.
If at any time you feel unsatisfied with the claims process, you can always have an independent public adjuster examin should be given. They are typically paid a percentage of your claim, but if you feel a second opinion is necessary, they can defi standards or quotas to influence their decisions.