Hurricanes are common in Florida, but unfortunately, they can cause significant and costly damage to homes, businesses, and other property. If your property was damaged as a result of a hurricane in Florida, you may be eligible to file a hurricane insurance claim with your homeowner’s insurance. Filing a hurricane damage claim can sometimes be difficult, so here are 5 simple tips to help streamline the process.
1. Evaluate What Emergency Repairs Need to Be Done
After the hurricane has passed, it’s possible that you may need to make some emergency repairs in order to prevent further damage from being done. Evaluate any repairs that must be made right away, but consider avoiding making any repairs that can wait. By waiting until you contact your homeowner’s insurance company regarding the repairs, you may be able to avoid footing the cost of repairs that will be covered later by your insurance claim.
2. Report the Damage as Soon as Possible
It is important to report the hurricane damage to your home or other property to your insurance company as soon as possible. Your insurance company will likely send a representative to your home to take a look at the damage and to estimate how much your claim will be worth. If you wait to contact your insurance company, it may be more difficult to file, or there may be certain damages that the claim will not cover.
3. Take Good Photos of the Damages
One of the most critical aspects of filing a hurricane damage claim is obtaining adequate proof of the damages that occurred. A great way to do that is through photos. If possible, take as many photos as you can of the damaged area, including damaged property and belongings. If any belongings are missing, be sure to create a list.
4. Consider Getting Your Own Estimates For Repairs
It may be beneficial for you to obtain a quote for repairs from an independent contractor that is not affiliated with your insurance company. Not only can this help to speed up the claims process by giving your insurance company critical information, it can also provide a checks and balances of sorts so you don’t end up getting shorted on the final amount awarded.
5. Contact a Seasoned Attorney for a Hurricane Insurance Claim
A great way to streamline the process of filing for hurricane damage through your insurance is to contact an experienced attorney for a hurricane insurance claim in Florida
. A lawyer can help guide you step by step through the claims process, from filing your initial paperwork to negotiating a settlement amount. If necessary, your attorney can litigate on your behalf if a settlement is unable to be reached.
At the Law Offices of John D. Ameen, P.A., we understand hurricane insurance claims and can provide you with comprehensive legal representation. Call (800) 555-4011 if you would like to schedule a consultation.