Making Insurance Claims

Making Insurance Claims


Filing an Insurance Claim after a Hurricane:

Document the Damage:

Take photos and videos of any damage to your property, both interior and exterior, as soon as it’s safe to do so.
Make a detailed list of all damaged or lost items, including their age, value, and any receipts or documentation you have.

Contact Your Insurance Company:

Notify your insurance provider about the damage as soon as possible. Most companies have a dedicated claims hotline or website for reporting claims.
Provide your policy number, contact information, and a detailed description of the damage.
Ask about the claims process, required documentation, and any deadlines for filing.

Temporary Repairs:

Take steps to prevent further damage by making temporary repairs, such as covering broken windows or holes in the roof.
Keep receipts for any materials purchased and work done, as these expenses may be reimbursable.

Provide Documentation:

Submit all required documentation, including photos, videos, and lists of damaged items, to your insurance company.
Cooperate fully with the insurance adjuster who will assess the damage and determine the claim amount.

Review the Settlement:

Carefully review any settlement offer from your insurance company, and negotiate if you believe the amount is insufficient.
If you disagree with the settlement, you may need to file an appeal or seek legal assistance.

Resources for Rebuilding After a Hurricane:

Federal Emergency Management Agency (FEMA): Visit or call 1-800-621-3362 to apply for disaster assistance, including grants for temporary housing, home repairs, and other uninsured losses.
U.S. Small Business Administration (SBA): The SBA offers low-interest disaster loans for homeowners, renters, and businesses. Visit or call 1-800-659-2955 to apply.
Florida Division of Emergency Management: provides information on state-level recovery resources and assistance programs.
Local Emergency Management Agencies: Contact your county or city’s emergency management office for information on local recovery efforts and available resources.
Nonprofit Organizations:

American Red Cross ( Provides shelter, food, and other emergency relief services.
Habitat for Humanity ( Assists with home repairs and rebuilding efforts.
Local food banks and charities may also offer assistance with essential supplies and services.

Remember, patience and persistence are crucial when dealing with insurance claims and seeking disaster assistance. Keeping detailed records and documentation will help support your claim and aid in the recovery process.