A Step-by-Step Guide to Filing an Insurance Claim Post-Storm

Making an insurance claim is central to individuals who would want their losses in property be paid after a storm. Let’s check to know about Filing an Insurance Claim After a Storm:

Here’s a step-by-step guide to help you through the process:

  • Step 1: In the first instant, your safety and that of your family above all. In case the storm has not reduced, look for shelter. After the storm is over, you should check for any hazards like sewage or water that might be connected to down power lines and damage structures. In case you have any safety concerns, contact the right authorities such as emergency services or utility companies before acting.
  • Step 2: Document the Damage
  • Photograph and Video: Take very detailed photographs and records of all the damage that is in your property. It is important evidence for the insurance. The inside and the outside of your home, or vehicle if it’s one you are selling photographs.
  • Make a List: Make an extensive itemized delineation of the damages that include each chip, burn or affected area. Indicate the date and time when this storm happened and those specific damages.
  • Step 3: Review Your Insurance Policy1.
  • Read Your Policy: Be sure to read the fine print completely and establish comprehension of your insurance policy. Please ensure policy number, insurer’s contact details and your deductible are noted.
  • Coverage Limitations: Remember that the contract may restrict or eliminate certain coverages for example flood and earthquake.
  • Step 4: Contact Your Insurance Company1.
  • Report the Damage: You better get through to your insurer right now. Most insurance companies have 24 hours claims hotline for immediate assistance. Indicate the policy number and briefly describe the damage.
  • Request Guidance: Insist on contacting your insurance company for assistance in the process of claims and mention what relevant papers to provide. Request for a claim number to cite.
  • Step 5: Complete an insurance company’s build-back form and return it. These may include:
  • Form with your particulars and description of loss alleged operations.
  • A Proof of Loss statement may require you to make a list of the damaged or stolen items, including their amounts.
  • Step 6: Protect your property from further damage.
  • That might include boarding up broken windows or securing a wrecked roof, and moving property from its natural position. Any costs made throughout this process should be documented and supported by receipts, since they might be reimbursed. 

If you need any legal help for claiming for storm damage, please click on Omar Ochoa Law Firm.

Comments are closed.