Tips for Filing an Insurance Claim After a Storm

The Insurance Information Institute (I.I.I.) advises the following tips for filing an insurance claim, whether you are reporting storm damage to your property over the phone or using your mobile device:

Contact your insurance immediately to initiate the process. Provide your insurer with your policy number, preferred phone number, and email address. After a significant storm, insurers inspect the most severely damaged properties first. Be ready, of course, to provide a detailed description of the property damage. Explain any specific requirements your family has, especially if your personal circumstances compel you to receive precedence. Ask your insurer when you can anticipate a visit from an insurance adjuster so you can be prepared. Since adjusters may be in locations with damaged cellphone towers, it is also advisable to obtain the number of your adjuster's supervisor so that you have an alternative point of contact. Contact your agent or the broker who sold you the flood insurance coverage to initiate the claims filing procedure.

Document your loss. Most likely, the insurance adjuster will assess the damage to your home, vehicle, and belongings to issue you a payment to assist you in replacing, repairing, and rebuilding. It is advisable to take photographs and document the information of damaged products, including the date of purchase and approximate value, as well as to collect receipts if you have them. Many businesses will want an inventory of the items.

Before disposing of damaged objects and materials, check with your insurer. Typically, you will be required to present storm-damaged items to your insurer. Nonetheless, if your town requires you to trash them for safety reasons, take photographs to aid in the claims process.

Subscribe to SMS/text updates. Many insurance providers will tell you the status of your claim via SMS/text message. When you initially report your claim, when your estimate is available, and when your payment has been sent, you will receive text messages on your mobile device.

Know the accessible emergency services. If you require emergency services, like flood removal, roof covering, or boarding up of windows and doors, many providers will deploy a certified emergency services firm to safeguard your house from further damage. If serious damage renders your home uninhabitable, your homeowner's insurance will pay a check for additional living expenses.

Keep a claims journal. Claims submission requires meticulous recordkeeping. Create a list of everyone you discuss your claim with. Note their name, position, and contact details. Also, record the date, time, and topics covered. The claims process will be simpler and easier the more organized you are.