Tips for Filing an Effective Insurance Claim After a Disaster

Rarely, is it ever simple to file a homeowners or business insurance claim after a hurricane, fire or other disaster. Insurance and the laws that govern it, are by nature, complex. Add to that, the uniqueness of your situation, and filing an insurance claim can quickly become high stakes, especially when rebuilding or replacing your Florida home or business is on the line.

We understand. It’s the reason we developed this handy tip sheet; to help you successfully file a homeowners or business claim following a disaster in the State of Florida.

Two Important Things to Do Before Filing a Disaster Claim:

Once the disaster has passed and everyone is safe, it is natural to want to get your claim filed with your insurance company as quickly as possible. But there are a couple steps you’ll want to take first.

First, take photos and video of the damage. Leave everything as you found it so there are no mistakes about how much was damaged or lost. Take photos and video of the damage before making any temporary repairs.

Second, review your policy coverages, exclusions, and you deductible. Review your renters, business or homeowners insurance policy to see whether the damage is covered by your insurance company. Keep in mind that if the damage is less than your deductible, it may not be worth making a claim.

Your photos, video and inventory list are important documents, keep them in a safe place, preferably outside of your house.

For more tips and suggestions download our, 9 Insider Tips for Filing An Insurance Claim After A Disaster.

The information provided here is intended for informational purposes and should not be considered legal advice.

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