Hurricane Preparedness & Tips for Storm Claims
Posted on Aug 6, 2018 in SliderPre-storm
- Review your policy
- Have contact information for your agent or insurer handy
- Take inventory (photos or videos) of property
- Secure property to prevent and limit damage
- Ensure the safety of yourself and family
Post-storm
- Once it is safe, check for damage
- Secure your property to prevent further damage (keep receipts for any materials used)
- Report your damage to your insurance company or agent (make a claim)
- If your home or condominium is uninhabitable, ask if your policy covers the cost of temporary/alternative housing.
- Submit proof of loss forms or other claim forms if requested by your insurance company
- Set damaged items aside for later review/inspection by your adjuster
- Don’t begin permanent repairs until damage is inspected by your adjuster or told to do so by your insurer
- Work with your adjuster and contractor to estimate the cost of repairs
- Receive settlement check and begin repairs
- There may be supplemental payments issued by your insurance company if additional damage is uncovered in the course of repairs
- Be careful of scams, do not sign your entire claims check over to a contractor
- If the damage is extensive and you have a mortgage, your claim check may list you and your lienholder as payees
(PDF) Tips for Storm Claims
Other Resources:
(PDF) Guide to Hurricane Strengthening of Hawaii Residences