Your insurance company has not forgotten about the damages paid out in previous years. Policy owners in effected coastal and hurricane zone areas have seen rate increases year after year to pay for past losses and payouts for property damages. As a result, now is the time for home and property owners to evaluate their property casualty insurance to assure that they are covered in case of storm damage loss. Historically The worst storms form from August through October.
Take photos and make a list of your personal property - A photograph is worth a thousand words. Take as many photos as possible of your personal items, and your home to assure that the insurance company can see the state of your home prior to the storm.
Be ware of Shrubbery and Trees - Make sure you keep them maintained. trees and shrubbery branches often become trajectories during a storm. They can be a danger to your house and your neighbors.
Take photos immediately after the storm of damages - It is critical to take photos to show any immediate damages to property and personal property to disclose the causation factor. In other words, the storm caused the damages. Many times insurance companies will attempt to deny damages.
Keep your important documents in a safe place - Make sure you have birth certificates, auto titles, deeds, financial documents, and any other important documents. A small lock box, or hand held file carrier can be transported easily and is a safe way to transport documents with you if you are required to evacuate your home.
In case of a Power Outage save all receipts for food, hotels, and other expenses. If you are forced to leave your home hastily by authorities as a result of an approaching storm; make sure you save your out of pocket expenses for spoiled food, hotel stays, and other expenses for having to evacuate your home.
Contact your insurance company immediately after the storm - Don't wait to contact your insurance company to see if you have damages, more then likely the insurance company will be swamped with calls for damages; get inline and contact your insurance carrier to assess your damages.
Keep time for how long it takes you to clean-up. It may reimbursable. - Take notes on all the hours and expenditures you have for your clean-up efforts.
Record the name and date of the insurance adjuster that visited your home. - It is critical when an insurance adjuster visits your home that they have the correct licenses and general liability coverages required for your state.
Make sure you are given a claim number by the insurance company - Once you contact your insurance company ask them for a claim number and note the time and date of your call and if possible the person you spoke with on the phone. Note every call you make to the insurance company regarding your claim.
Do not sign any contracts or documents that say 'release' - If your insurance company ask you to sign a release with a check- don't do it ! Damages can sometimes manifest themselves months after your loss. It is important you realize that you may have latent damages to your home that may not be outwardly visible in the hours and days right after the storm.
If you feel you have been underpaid or are not paid on your claim contact a Lawyer, your insurance commissioner, or even a public adjuster if your state allows that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss If you receive a check, go ahead and deposit it but do not sign any releases on your claim. Many people believe that if they find future damages attributable to the storm that they will not be able to recover more money if they have already received a check- not true. If you are not sure contact a lawyer.
If you feel you have been underpaid on your claim contact an attorney, your insurance commissioner, or even a public adjuster if your state allows that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss.
Take photos and make a list of your personal property - A photograph is worth a thousand words. Take as many photos as possible of your personal items, and your home to assure that the insurance company can see the state of your home prior to the storm.
Be ware of Shrubbery and Trees - Make sure you keep them maintained. trees and shrubbery branches often become trajectories during a storm. They can be a danger to your house and your neighbors.
Take photos immediately after the storm of damages - It is critical to take photos to show any immediate damages to property and personal property to disclose the causation factor. In other words, the storm caused the damages. Many times insurance companies will attempt to deny damages.
Keep your important documents in a safe place - Make sure you have birth certificates, auto titles, deeds, financial documents, and any other important documents. A small lock box, or hand held file carrier can be transported easily and is a safe way to transport documents with you if you are required to evacuate your home.
In case of a Power Outage save all receipts for food, hotels, and other expenses. If you are forced to leave your home hastily by authorities as a result of an approaching storm; make sure you save your out of pocket expenses for spoiled food, hotel stays, and other expenses for having to evacuate your home.
Contact your insurance company immediately after the storm - Don't wait to contact your insurance company to see if you have damages, more then likely the insurance company will be swamped with calls for damages; get inline and contact your insurance carrier to assess your damages.
Keep time for how long it takes you to clean-up. It may reimbursable. - Take notes on all the hours and expenditures you have for your clean-up efforts.
Record the name and date of the insurance adjuster that visited your home. - It is critical when an insurance adjuster visits your home that they have the correct licenses and general liability coverages required for your state.
Make sure you are given a claim number by the insurance company - Once you contact your insurance company ask them for a claim number and note the time and date of your call and if possible the person you spoke with on the phone. Note every call you make to the insurance company regarding your claim.
Do not sign any contracts or documents that say 'release' - If your insurance company ask you to sign a release with a check- don't do it ! Damages can sometimes manifest themselves months after your loss. It is important you realize that you may have latent damages to your home that may not be outwardly visible in the hours and days right after the storm.
If you feel you have been underpaid or are not paid on your claim contact a Lawyer, your insurance commissioner, or even a public adjuster if your state allows that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss If you receive a check, go ahead and deposit it but do not sign any releases on your claim. Many people believe that if they find future damages attributable to the storm that they will not be able to recover more money if they have already received a check- not true. If you are not sure contact a lawyer.
If you feel you have been underpaid on your claim contact an attorney, your insurance commissioner, or even a public adjuster if your state allows that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss.
About the Author:
Do you have hurricane damage call Lawyer Chris Lim at (800) 979-1937 or visit the website which provides legal services for Homeowner and Condominium Associations. You can also contact AIM Law Group for help with Hurricane Insurance claim. Laws vary by state please consult a local attorney. Our Internet Ad Agency is Net Advertising Group
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