The aftermath of Hurricane Beryl can be overwhelming. Ensuring you get the most out of your insurance coverage requires prompt and informed actions. Here are detailed tips for navigating the insurance process post-hurricane:
Initiate Your Claim Immediately
Contact your insurance provider as soon as possible. Document the time, date, person/s involved and content of each conversation.
Document all Damaged Items
Make a comprehensive list of damaged items. Take photos or videos of the damage from different angles. Label each item and provide a description and approximate value. Keep all items until your insurance adjuster informs you may start disposing of damaged items.
Inventory and Appraisal
Conduct a thorough inventory of all your possessions, both damaged and undamaged. This can be crucial for the claims process. Consider getting an independent appraisal for high-value items to ensure you receive fair compensation.
Safeguard Your Property
Prevent further damage by covering broken windows and holes with tarps or plywood. Keep the receipts for any materials purchased for temporary repairs. These repairs not only protect your property but may help in securing your claim. These repairs may also be reimbursable under your policy.
Coverage for Flood Damage
Standard home and renters’ policies usually do not cover flood damage. Check your policy immediately. If you have flood insurance, file a claim promptly. Federal policies have strict documentation deadlines. Research on other coverages, such as windstorm or hurricane, and how they may apply to your situation.
Avoid Contractor Scams
Contractor scams are common post-natural disasters. Get bids from multiple contractors. Verify their references, contractors’ licenses and insurance status. Never pay in full upfront. Avoid contractors who demand immediate cash payments or high upfront fees. Review contracts thoroughly, ensure they are clear and complete before signing.
Additional Living Expenses
Check if your insurance covers Additional Living Expenses (ALE) for temporary housing. If your home is uninhabitable while being repaired, ALE coverage can help pay for hotel bills, restaurant meals, and other necessary living expenses. Record all related expenses and keep all receipts.
Report to Authorities
Notify the Texas Division of Emergency Management about your property damage to aid in state recovery efforts. This can also help in coordinating assistance and resources to the affected areas.
Understand the Claims Process
Familiarize yourself with the steps involved in the claim process, including initial inspection, damage assessment, temporary repairs, claim submission, and final settlement. Knowing what to expect can help you manage the process more effectively.
Engage a Public Adjuster
A public adjuster will help you navigate the complexities of filing a claim and ensure you receive a fair settlement. They work on your behalf, unlike insurance company adjusters, who work for the insurer. Check that the adjuster is licensed and has good references.
Prepare for Disputes
Be prepared to negotiate and dispute if you believe the settlement offer is too low. Gather all necessary documentation, including photos, receipts, and contractor estimates, to support your case. Consider seeking legal advice if needed.
Stay Prepared
Use the experience to reassess your insurance needs. Update your policy to include additional coverages, like flood insurance or increased personal property limits, when needed. Review and update your home inventory regularly to ensure your coverage reflects the current value of your possessions. Keep abreast of the latest information provided by the Texas Department of Insurance, other relevant authorities, community meetings and disaster recovery briefings.
For more detailed guidance, visit the Texas Department of Insurance.
By following these comprehensive steps, you can navigate the insurance process more effectively and ensure you get the support you need to recover from a hurricane. Crossroads Insurance Recovery Advocates is here to assist you through every step of your claim process, providing expertise and support when you need it most. Contact us today at 713 369 4300 or send us an email at contact@crossroadsira.com.
