The Hurricane Insurance Claims Process
Hurricane season can be unpredictable, and 2024’s season is no different. The National Oceanic and Atmospheric Administration (NOAA) predicts an above-average hurricane season meaning more homeowners will likely need to file a hurricane insurance claim at some point before the end of the year. If you’ve never had to file a claim, you may not know what to expect, which can make navigating hurricane season even more stressful. Here are the steps your Florida hurricane insurance claims attorney wants you to follow.
Contact Your Insurance Agent as Soon as Possible
Once the storm is over and you have a chance to assess the damage to your property, contact your insurance agent and let them know that you need to file a claim. They’ll ask you some basic questions about the nature of the damage and can guide you through the process of filing a claim with your insurance provider.
Document the Damage
After initiating the claim by contacting your insurance agent, you’ll want to document the damage in detail. Write down descriptions of the damage as you find it. Go room by room and create a list of the items that are damaged, the ways they’re damaged, and an estimated value for each item. You’ll also want to photograph as much of the damage as you can. Your insurance provider may ask for photos and other proof of damage as part of the claims process.
Review Your Policy’s Details
Take some time to review your policy’s details. Look at what’s covered under your policy, identify the coverage limits, and make sure you understand your policy in detail. If anything is unclear or you want additional help understanding the nuances of your policy, reach out to your insurance agent. They should be able to answer your questions.
Be Ready to Pay Your Deductible
When you file a claim, you’ll typically need to pay a deductible out of pocket. Your deductible is the money you pay the insurance company before they pay for the damage caused by the storm. The amount you’ll pay will depend on your insurance policy but can range from as little as $500 to more than $1,000. Your insurance agent will be able to tell you how much you’ll need to pay and how you can pay it.
Meet With the Insurance Adjuster
Before the insurance company determines a settlement amount, they’ll send out an insurance adjuster to inspect your property. The adjuster will provide the insurance company with information regarding the severity of the damage and the amount of money you’ll likely need to take care of repairs. If you can, plan to meet with the adjuster and attend their walkthrough. This way, you can point out any damage that they may not immediately see.
Wait for the Settlement
After the adjuster visits your property, the insurance company will review their report and your claim. If your claim is approved, they’ll issue you a settlement offer that you’re free to accept or reject. If you accept the settlement, your insurance company will send you a check for the specified amount. If they deny the claim or if you reject the settlement offer, you can appeal the decision.
Appeal the Decision if Needed
Appealing an insurance claim gives you the opportunity to push for a larger settlement or to encourage your insurance company to give you the money you need if they deny your claim. Unfortunately, the appeals process can take time. But if your appeal is successful, you’ll get the money you need to pay for repairs.
Let a Florida Hurricane Insurance Claims Attorney Help
If your provider has denied your claim for hurricane damage, don’t give up hope. You can and should appeal the decision. At Parrish Law, our experienced Florida hurricane insurance claims attorneys can help. Contact us today to schedule a consultation.