How to Maximize Your Storm Damage Claim After a Hurricane
Damage from a severe storm or hurricane can make your house unlivable. While you have no power to choose when this happens, with homeowners insurance, you do have the safety net of your insurance policy.
However, even with insurance, there are limitations to your coverage that can vary widely from one provider to the next.
Will your insurance company give you every penny you deserve to make your house livable again? Find out how to maximize your storm damage claim.
Make a Detailed Log
Going outside and checking for damage might be the last thing you want to do after a hurricane, but it’s necessary. Some insurance companies won’t hesitate to deny your claim if there isn’t sufficient evidence.
Take a detailed log on the damage done – this includes pictures of your roof, siding, gutters, and any parts of the exterior that may have suffered damage.
Contact a professional if you are unsure of the extent of the damage. Keep the phone calls in your log, as you can never have “too much” information when trying to maximize your claim.
Contact Your Insurance Company
Contact your insurance company immediately after a storm or hurricane. The longer you wait to contact, the better chance of them denying your claim. Doing so promptly will show the insurance company the damage was serious enough to make a call right away.
Know Your Policy
If a storm or hurricane hasn’t happened yet, and you’re not sure about your insurance company’s policy, it’s a great idea to brush up on them. Knowing the insurance company’s policy will get you the maximum benefit.
For instance, let’s say the damage to your home makes it temporarily uninhabitable, so you need to check into a hotel for a few weeks.
Staying in a hotel that long is expensive, but not if your insurance company will cover it. Make sure you keep your receipts for these expenses, as proof will be needed if your insurance company does cover that cost.
Call on Experts Who Help With Insurance
Dealing with your insurance company is a long, tedious, and frustrating process. If you want to take the headache out of dealing with them, call on Sea Island Residential!
We will work with your insurance company to maximize your claim and get to work repairing your home right away. Call 843-593-3049 today for a free inspection, or schedule a free quote online!