Recovering after hurricanes Harvey and Irma is still a real challenge for many homeowners.
Thousands of people struggled to save whatever was left of their homes. Once again we witnessed the power of nature and we understood there’s not much we can do to stop it.
However, how fast we recover from a natural disaster is up to us.
On the 20th of October 2017 we are organizing an event trying to help homeowners who have been affected by this year’s hurricanes to renovate their homes quickly and on budget. Subscribe here now.
With this in mind, let’s take a look at how your insurance company can help you in case of a disaster. What steps should you follow when contacting your insurer? Read on to find out.
Asking for assistance when recovering after a hurricane
This is one of the first things you need to do when recovering from the damage caused by a hurricane or a natural disaster.
The Federal Emergency Management Agency accepts online applications. Once you enter their website, you can look up for available hotels and find a safe place to stay.
FEMA’s special Disaster Response Program can guide you to finding resources throughout your state. You can get contact information for hospitals and temporary lodging around you area.
Things to keep in mind when contacting your insurance agency
Contacting your insurance company after a hurricane is extremely important. There are several aspects you need to keep in mind when getting in touch with your insurer. We’ve put together a list to help you stay organized:
- When you contact your insurance company, make sure to provide an accurate description of the damages that were caused
- Get a claim number, as this is the easiest way for your insurance company to locate your file
- Once you get in touch with your insurers, ask about when you should expect to see a claims adjuster. Depending on the extent of your claim, it can take between a week and six months for the claims adjuster to get to your case
- Document your home’s damage with pictures and videos
- Make a list of all the damaged items and mention their approximate value
- Keep records of any amount of money you spend for immediate repairs
- Avoid making permanent repairs until you get clear instructions from your insurance company. However, you can cover broken windows and holes and make temporary repairs
- Set alerts to notify you of the status of your claim
Tip: Have a flood insurance? Notify your provider within 60 days of the damage. You will find a step by step guide on how to file your application here.
Bonus tip: If your insurance company agrees to pay your claim, you should expect a check within five business days.
Other important things to be aware of
Living in an area that was impacted by a natural disaster means delayed monthly payments. Therefore, contacting your mortgage company and auto loan lender is crucial. Your monthly payments will most certainly be deferred for a certain period of time and they should be aware of your situation.
Furthermore, remember to notify your utility and cable companies that your bills will be halted as well.
The area affected by the hurricane will probably lack power for weeks. You will need to buy food and medical supplies and other things to ensure your well being.
When purchasing goods, instead of using your credit or your debit card, you will have to pay with cash.
Was your home affected by the 2017 hurricanes?
We can help you with professional advice on how to bring your home back on its feet.
Send us a photo of your damaged home and our experts will give you suggestions on how to fix it quickly and on budget.
Click here to get assistance.
Call 908-206-4659 for more information or click here to get in touch with one of our team members.