Hurricanes are a part of life for many people. We all know how damaging they can be to our homes and our lives. After a big storm, it can be tough to figure out what to do next. Dealing with insurance and getting your home fixed is a big job. Lots of people make mistakes with their insurance claims — especially when they’re stressed out from the storm.
This blog will help you avoid those mistakes. We’ll talk about seven common things people do wrong when they’re trying to get money from their insurance company after a hurricane.
So, let’s get into it, shall we?
Mistake #1: Not Knowing What Your Insurance Actually Covers
This looks obvious, but you’d be surprised how many people don’t really understand their insurance policy until it’s too late. After a hurricane, you’re dealing with a lot of stress, and digging through a complicated document is probably the last thing you want to do. But it’s crucial!
Most standard homeowner’s insurance policies cover damage from wind. That means things like a tree falling on your roof or your windows getting blown out are likely covered. But flood damage is usually not included. You often need a separate flood insurance policy for that, especially if you live in a high-risk area.
Sometimes, your policy has specific limits on certain types of damage, like water damage from a leaky roof caused by wind. There might also be separate deductibles for different events.
So, what should you do?
- Read Your policy carefully: Don’t just skim it! Pay attention to the details, especially the exclusions (things that aren’t covered) and any limitations on coverage.
- Talk to your agent: If you have any questions or anything is unclear, call your insurance agent. They can explain things in plain language and help you understand what’s covered and what’s not.
- Check for updates: It’s a good idea to review your policy every year, especially if there have been any major storms in your area. Your needs might change, and your coverage should reflect that.
Mistake #2: Forgetting to Take Pictures (and Videos!)
After a hurricane, it’s easy to get caught up in the chaos of the situation. You’re worried about your family, your home, and just trying to get things back to normal. But before you start cleaning up or making repairs, it’s crucial to document the damage to your property. This is a step many homeowners overlook, and it can cost them dearly when it comes to filing an insurance claim.
Here’s what you should capture.
- Every bit of damage: Don’t just focus on the big stuff. Take pictures of broken windows, damaged furniture, water stains, fallen trees — everything!
- Close-ups and wide shots: Get detailed shots of the damage, but also take pictures from further away to show the overall impact on your property.
- Don’t forget your belongings: Open drawers, cabinets, and closets. Document any damage to your personal belongings, like electronics, clothes, or furniture.
- Videos: A quick walk-through video is incredibly helpful in showing the extent of the damage.
Mistake #3: Waiting Too Long to File Your Claim
Time is of the essence when it comes to hurricane damage claims. You might be tempted to wait a few days to catch your breath and assess the situation, but delaying your claim can create more problems.
What should you do?
- Contact your insurance company immediately: Even if you don’t have all the details yet, let them know you have a claim.
- Provide necessary information: Be prepared to give them your policy number, contact information, and a brief description of the damage.
- Follow up regularly: Stay in communication with your insurance company and keep them updated on any developments.
- Contact Lawyer: If you’re late, don’t be afraid to hire a hurricane lawyer. They can help you handle this situation and get the compensation you deserve.
Mistake #4: Throwing Away Damaged Items
It’s natural to want to start cleaning up after a hurricane, but hold on! Don’t throw away any damaged items before your insurance adjuster has a chance to see them.
What should you do?
- Store damaged items safely: If possible, move damaged items to a safe, dry location where they won’t cause further damage.
- Take photos before discarding: If you absolutely must dispose of an item, take detailed photos and videos first.
- Keep receipts: If you need to purchase any emergency supplies to mitigate damage, keep the receipts to submit with your claim.
Mistake #5: Not Knowing the Value of Your Possessions
It’s easy to underestimate the value of your belongings, especially when you’re dealing with the aftermath of a hurricane. But having a good understanding of the value of your possessions is crucial for getting a fair settlement.
What should you do?
- Create a home inventory: Take photos or videos of your belongings and keep a record of their purchase date and estimated value.
- Keep receipts and appraisals: Store important documents in a safe place or electronically.
- Use online resources: There are websites and apps that can help you estimate the value of your possessions.
Mistake #6: Failing to Mitigate Further Damage
Your insurance policy likely includes a clause about mitigating further damage to your property. This means you’re responsible for taking reasonable steps to prevent additional damage after the hurricane.
What should you do?
- Make temporary repairs: Cover broken windows, tarp damaged roofs, and remove standing water.
- Secure your property: If necessary, board up windows and doors to prevent looting or further damage.
- Document your efforts: Take photos and videos of the steps you take to mitigate damage.
Mistake #7: Accepting the First Settlement Offer
Insurance companies often make an initial settlement offer, but this is usually not their final offer. Don’t feel pressured to accept the first offer, especially if you feel it doesn’t adequately cover your losses.
What should you do?
- Review the offer carefully: Make sure you understand what is and isn’t covered by the offer.
- Don’t be afraid to negotiate: Present evidence to support your claim and request a higher settlement if necessary.
- Get professional advice: If you’re feeling confused or unsure about how to proceed, seek help from a professional.
Conclusion
Dealing with a hurricane is tough, and getting your insurance claim right is too confusing. But remember, you’re not alone! By avoiding these common mistakes, you can make the whole process smoother and get the money you need to fix your home.
Take the time to understand your policy, take lots of pictures, and don’t be afraid to ask for help if you need it. Stay organized, contact a hurricane attorney, keep good records, and be patient. With a little effort, you can get through this and get back to normal.
