Property analytics companies estimate that property damage losses caused by Hurricane Ian could range between $28 billion and $47 billion. We are in the infantile stages of assessing the wreckage left behind by the Category 4 storm. However, it is abundantly clear that thousands of homes are in ruins because of the floods and winds of Hurricane Ian. The shocking extent of property damage will have serious ramifications for Florida’s housing market and the insurance industry. Insurance companies will receive thousands of claims within a short span of time as people are in dire need. Do you need to file a homeowners insurance claim because you suffered property damage during Hurricane Ian? Here are some immediate steps you need to take in order to file your claim.
Promptly Document the Storm-Related Property Damage
When you finally see the utter destruction left behind by Hurricane Ian, taking photos may not instantly come to mind. Not only did this storm result in a considerable loss of life, but it also robbed thousands of their homes. For many, their equity and livelihood were tied up in the property wrecked in the hurricane. After enduring such a catastrophe, people are still in a state of shock. However, you must understand the necessity of comprehensively documenting your property damage.
First, document the damage as soon as you possibly can. Do not wait a couple of weeks to photograph the wreckage. The faster you chronicle the damage, the easier it will be to file your claim. Also, ensure you are very thorough when recording evidence by taking photos and videos of every detail of the damage. Remember, there is never too much documentation. That means taking photos of all destroyed belongings like appliances, furniture, and so on before throwing them out. Take long-form notes on anything you see, and back-up your photos to have multiple copies.
Prevent Further Property Damage
Insurance companies may fault you if you do not take preventative measures to safeguard your home from further damage after the storm. These companies may accuse you of failing to stop other issues unrelated to the hurricane. After sufficiently documenting the damage, prevent additional problems by tarping your roof or covering broken windows. If you returned and found a flooded home, remove all the excess water by drying it out. Do not let the water remain in your home because this will bring more complications down the line for your home and your insurance claim.
Keep All Receipts
Many hurricane victims suffer displacement because their home is now uninhabitable. Unfortunately, not everyone has the luxury of staying with family or friends while their home is under repair or waiting for insurance money. If you must stay in a hotel, keep all receipts relating to your living expenses affected by the hurricane. In most cases, the loss-of-use coverage in a standard homeowners policy will cover your temporary lodging. Furthermore, compile all receipts if you purchase plastic coverings, tarps, tree removal services, plywood, or anything else used to mitigate more damage to your home after the storm.
Beware Fraudulent Contractors
It is infuriating to learn that people will try to take advantage of victims affected by Hurricane Ian. Yet, this is a sad reality after a storm. A fraudulent contractor may take payment without completing repairs or use poor materials to cut costs, leaving you with a home not up to code. Be certain you speak with insured and licensed contractors before hiring an unsolicited one who pressures you into their services. Verify a contractor’s credentials and be weary of the contractor’s demanding payment upfront or as cash-only.
Hire a Lawyer to Advocate For You in Your Storm-Related Property Damage Claim
Although you are seeking assistance from your insurance company, note that the adjusters work in the company’s best interest, not yours. Enlisting the help of an experienced insurance coverage lawyer is a crucial step in confirming you receive the full amount you are entitled to. While you need to cooperate with the insurance adjuster, know that you can have a lawyer working for you to guarantee that the insurance company does not succeed in denying your claim or undervaluing it. A lawyer can extend guidance during this stressful time to secure the compensation you need to move forward after the hurricane. From filing the initial claim to contesting your insurance if they act in “bad faith,” your lawyer will endlessly advocate for you.