It never hurts for a homeowner to be prepared in the event they may have to file a hurricane insurance claim. Since hurricane season is now in full swing we wanted to take this time to discuss a few things you can do to make the submission of your hurricane insurance claim go a lot smoother.
The first thing is to make sure you understand your insurance policy before you have to use it. You should read through your policy and coverage benefits. Make sure you know what your deductible is and that it is an amount you can afford. If there were any changes on your property, such as the addition of a room or square footage in your house, make sure you notify your insurance company immediately; definitely before a storm comes.
The next thing you want to do is make sure all of your paperwork and important papers are kept in a safe place. If you don’t have everything saved somewhere electronically you’ll want to make sure you have documents such as deeds, titles, birth and marriage certificates, social security cards, etc. stored in a safe place. The last thing you want to do after a storm is scramble to find all the necessary documents needed to submit a claim.
The other thing we suggest homeowners do before a storm is make sure they have documentation of all of their belongings. When it comes to your personal property you will want to have a list of what significant personal belongings you have, how much their worth, and even the receipt of purchase if you still have it. You will want to document any big ticket items such as electronics or new furniture. We even recommend you go around your house and either take pictures or video of your valuables and the condition of your property just in case you need proof of something for the insurance company.
If you have any questions regarding an insurance claim of any kind, please reach out to us. You can call us at 407-254-4901 or text us at 407-644-4444. We are always happy to offer a no obligation, free consultation to discuss your case with you.