What You Need To Know About Hurricane Insurance Claims

Unfortunately, there are countless states and regions being hit with recurring hurricanes. This occurrence is one of the most vicious natural occurrences in meteorology. It can wipe out residences with its mighty winds and may trigger destructive floods that can ruin valuables and also ruin the livelihoods of many households.

Filing A Hurricane Damages Claim
When your home and property have been damaged or destroyed by a Florida hurricane, your first step should to be to report your damages. You will also need to file your insurance claim as soon as is possible. Along with filing your damages claim, you should do your best to document your property damages. Take photographs of your home and the damage done to any personal items, catalogue them, and take notes about the damages that correspond to the photos.

Many insurance companies require their insureds to take actions to mitigate additional damage. In other words, if you have suffered damages, your insurer may require you to make reasonable efforts to prevent your existing damages from being further exacerbated or worsened. Here’s one example:

Suppose there is a leak from a damaged pipe. In order to mitigate your damages, you ought to call a plumber to stop the leak before the leak causes additional damage. Try to avoid paying any service professionals in cash. You ought to be able to submit the repair bills as part of your hurricane damage claim.

Also, you will need to collect documents that can demonstrate your properties’ value. Including receipts and credit card statements may be very beneficial to your overall claim. You will want to have all this at hand when you contact your insurer. Since filing a claim can be complicated, in the event you require assistance submitting your claim, or if your claim has been denied, you can get professional legal help from a damages claims attorney. An attorney that is experienced in handling damage claims can investigate your case, and help you obtain compensation.

Bad Faith Insurance Claims
Many potential bases exist for filing a bad faith insurance claim. For instances, if your insurer denies your damages claim without having a reasonable basis, this may give rise to a bad faith insurance claim. If your insurance company fails to compensate your damages after a hurricane, they are required to provide a legitimate explanation for the denial. If the insurer is unable to proffer a legitimate reason and has breached the terms of insurance with you, you may be entitled to recover in a bad faith insurance claim.

Filing your hurricane insurance claim should not be complicated if you have documented the property and damage well and are familiar with what your policy covers. Some homeowners have recently had trouble filling their hurricane insurance claims if that is the case you can contact us at Prosperity Public Adjusters for a consultation and quote. Prosperity Public Adjusters can help claim your compensation without much struggle. Call us at (561) 451-6332