After the Storm: How to File a Hurricane Insurance Claim with Confidence
When a hurricane passes, the aftermath can be overwhelming. Between assessing damage, ensuring your family’s safety, and beginning the recovery process, knowing how to file an insurance claim quickly and correctly is essential.
Step 1: Ensure Safety First
Before inspecting damage or starting cleanup, make sure your property is safe to enter.
- Avoid downed power lines, standing water, and unstable structures.
- Use caution when walking through debris or damaged areas.
- If your home is uninhabitable, seek temporary shelter and keep receipts for lodging and meals.
Step 2: Document the Damage Thoroughly
Accurate documentation is key to a smooth claims process.
- Take clear photos and videos of all affected areas—inside and out.
- Include close-ups of damaged items, structural issues, and water intrusion.
- Make a list of damaged belongings with estimated values and purchase dates.
Tip: Don’t throw away damaged items until your adjuster has seen them, unless they pose a health risk.
Step 3: Contact Your Agent Immediately
The sooner you report the damage, the faster your carrier can help.
- Call your agent or use your insurance carrier’s claims hotline.
- Have your policy number and contact information ready.
- Provide a brief description of the damage and any urgent needs (e.g., temporary housing).
Step 4: Prevent Further Damage
Most policies require you to take reasonable steps to prevent additional loss.
- Cover broken windows or roof openings with tarps or boards.
- Remove water-damaged items to prevent mold.
- Keep receipts for any emergency repairs or supplies.
Step 5: Meet with the Insurance Adjuster
Your insurance company will assign an adjuster to inspect the damage.
- Be present during the inspection if possible.
- Share your documentation and ask questions about coverage and timelines.
- Take notes during the visit and request a copy of the adjuster’s report.
Step 6: Track All Expenses and Communications
Stay organized throughout the claims process.
- Keep a folder with receipts, emails, and notes from phone calls.
- Record dates and names of everyone you speak with.
- Save copies of all claim-related documents.
Step 7: Review Your Settlement Carefully
Once your claim is processed, you’ll receive a settlement offer.
- Review the breakdown of coverage and payments.
- Ask questions if anything is unclear or seems inaccurate.