If you suspect damage, call your insurance agent immediately. Most major insurers have toll-free phone numbers.
If it is safe to do so, take pictures/video of any damaged property. For the most accurate results, keep notes and use inventory lists to help adjusters assess damages.
Be aware of your hurricane deductible ranging from 2 percent to 10 percent of your home’s insured value. For some policies, a $500 flat deductible applies. Whatever your deductible, you will be responsible for paying it. It is illegal for a contractor to waive your deductible. If they offer to - they are breaking the law.
Begin making temporary repairs to prevent further damage. Save all receipts. But don’t make permanent repairs until an insurance adjuster has inspected it. You have a duty to mitigate the damage (within reason - stay safe).
Do not dispose of damaged contents until authorized by your agent or claim representative.
Insurers usually don't pay for removal of trees or debris that blew into your yard without damaging an insured structure.
Let your insurer know how to reach you if your home is uninhabitable or you move somewhere else temporarily.
Don't assume that adjusters will know what street they are on; street signs may have blown away. Industry officials say spray-painting important information on homes after a hurricane has proven effective. But don't include your policy number; someone else may take advantage of that.
Be patient. Insurers usually send adjusters to the worst-hit homes first.
Many adjusters and agents are authorized to issue checks on the spot to cover the cost of temporary housing. Keep receipts.
Adjusters work for the insurance company NOT YOU. No matter how nice they seem. They are instructed to save the insurance company money by paying out as little as possible. If confused about your claim or dissatisfied with your insurance adjuster’s findings, don't hesitate to reach out to reach out to an expert.
Stay safe! Don't be a hero trying to do repairs yourself. You can seriously harm yourself or worse. Hazards such as standing water can electrocute you, debris can be treacherous to move. Just remember, none of this is worth your life or health. The best way to prepare is to use a proper insurance policy and a trusted roofing marketplace (Like us)to connect you with a roofing contractor who can help you with your roofing repair or replacement needs! To learn more about the next steps after a storm or to be connected directly with a roofing specialist call 866-819-5215 today!
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