If your home was damaged by Hurricane Harvey and you have insurance, you will likely be filing a claim. We at I.I.I. have some tips to help the process go more smoothly:
- Contact your insurer as soon as possible to begin the process.
- Document your loss. The insurance adjuster most likely will inspect the damage, but it is a good idea to take photographs and document the damage as thoroughly as possible.
- Check with your insurer before discarding damaged stuff. Adjusters usually want to see proof of loss. If, however, you are required to discard them for safety, take photographs .
- Many insurers use text messages to notify you about the status of your claim. If so, sign up for the alerts. You’ll find out faster when your estimate is available and when a payment has been sent.
- Know what emergency services are available. Many companies will dispatch an approved emergency services company to protect your home from further damage. If the damage has left your home unlivable, your homeowners insurer will provide you with a check for additional living expenses.
- Keep a claim diary. Note everyone you speak to about your claim — name, title and contact information. Also, keep track of the date, time and issues discussed. The better organized you are, the simpler and easier the claims process will be.
We told the media about this via a press release, which is a bit more detailed. You can find that here. It also has information on hurricane deductibles, which I will write about in a separate post.