HURRICANE INSURANCE CLAIM TIPS
Consider Buying Insurance Even in Low- Risk Zones: Some homeowners avoid buying insurance for hurricane damage because they live in a low-risk zone. In reality, it may be in your best interest to buy hurricane insurance if you’re in any hurricane-prone region.
Hold Hurricane Insurance Year-Round to Avoid Exclusions: Flood insurance and windstorm insurance may take 15 to 30 days to be activated. Because of these restrictions, you cannot buy ‘hurricane insurance’ in the days leading up to a disaster. Hold it yearround to make sure your property is protected.
Keep Track of Meal and Accommodation Expenses After a Hurricane: Home insurance also covers your living expenses – say, if your home is uninhabitable after a disaster. Keep track of additional living expenses such as lodging and meal expenses in the days and weeks following a hurricane if your home is unsafe or uninhabitable.
Prepare for a Higher Deductible with Hurricane Damage: An average home insurance policy has a deductible of around $500. Hurricane insurance, however, has a much higher deductible. In many cases, hurricane insurance deductibles are based on a percentage of the total claim. You may need to pay 2% to 5% of your coverage amount before receiving a hurricane insurance payout.
Consider Hiring a Public Adjuster for Hurricane Damage Insurance Claims: A public adjuster is an insurance industry professional on your side that specializes in property damage insurance claims. Public Adjusters are dedicated to properly managing your insurance claim from beginning to end.
Hurricane insurance claims can be complicated. With that complication and widespread damage comes increased chances for claims to be delayed, underpaid or denied.
PUBLIC ADJUSTERS PROVIDE EXPERT HELP WITH HURRICANE CLAIMS WHILE ENSURING YOU RECEIVE FAIR TREATMENT AND YOUR DAMAGE IS COVERED UNDER THE TERMS OF YOUR INSURANCE POLICY – SO THAT YOU CAN MAKE THE NECESSARY REPAIRS TO RECOVER FROM A LOSS.