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How to File Hurricane Claims

Taking the following 8 steps to file your hurricane damages as soon as possible can help make it easier on you and on your insurance company representatives who will be working hard to try to help you.

  1. File a claim by contacting your insurance company and/or agent ASAP. Here are phone numbers of carriers if you don’t know yours.
  2. Ask the insurance company representative:
    • If the damage you described is covered under your policy
    • When will your claim be adjusted and who will adjust it
    • How long it might take to process your claim
    • What they need with regard to repair estimates
    • What you can and should do to mitigate (lessen) your damages
    • Write down your claim number.
    • Take photos and/or videos of damaged property and make notes about the damage – particularly if there is structural damage. Do not discard damaged items until an adjuster has inspected them. Many insurers, such as Travelers and USAA, are using drones to take photos of damages. If you cannot get to your property, ask your insurer if they have drones in the area that can take photos of your property damage.
    • Retrieve any receipts you have for damaged or destroyed property.
    • Keep a journal of every conversation with insurance representatives and others involved in your claim. Record the day and time of the conversation, the name of the person you spoke with, and make note of any monetary amounts mentioned.
    • Keep all receipts for living expenses while away – hotel rooms, food, and other costs of evacuation. Most homeowner policies that cover wind damage will cover those costs.
    • When a claims adjuster arrives, ask if they work for your insurance company or for an independent adjuster. If independent, ask if they are authorized to make claims decisions and payments on behalf of your insurance company. Also ask for the name of your insurance company’s adjuster that the independent adjuster will be sending your information to.
    • Be cautious of strangers who phone you or show up in person claiming to be adjusters or contractors. Your insurance company should tell you the date and time an adjuster will be meeting you.

    Additional Claims Assistance

    See additional relief resources available to home and business owners and farmers.

    We hope this information helps you get your life back in order as quickly and painlessly as possible. Please continue to take safety precautions, obey authorities, and try to remain patient in this very trying time for our state.