What Are Common Mistakes to Avoid When Filing a Hurricane Insurance Claim?

When hurricane damage strikes your property, filing an insurance claim can be overwhelming. Understanding common mistakes can help you avoid costly errors and secure the compensation you deserve. Williams Law Association, P.A. has compiled this comprehensive FAQ to guide you through the claims process.

What is the Biggest Mistake People Make After Hurricane Damage?

The most critical mistake is failing to document damage immediately. Many policyholders wait too long to photograph and video their property damage, allowing conditions to worsen or evidence to disappear. Take comprehensive photos and videos of all damaged areas from multiple angles as soon as it’s safe to do so. Document structural damage, water intrusion, roof damage, broken windows, and damaged personal property. This evidence becomes invaluable if your claim is disputed.

Should I Make Temporary Repairs Before Filing My Claim?

Yes, but document everything first. Your insurance policy requires you to mitigate further damage, which means making reasonable temporary repairs like tarping a damaged roof or boarding up broken windows. However, photograph all damage before making any repairs. Keep all receipts for materials and labor, as these costs are typically reimbursable. Never make permanent repairs before your insurance adjuster inspects the property, as this can jeopardize your claim.

How Soon Do I Need to Report Hurricane Damage to my Insurance Company?

Report your claim as soon as possible after the hurricane. Most policies require “prompt” notification, though specific timeframes vary by policy. Delays in reporting can give insurers grounds to deny or reduce your claim. Even if you’re unsure about the extent of damage, file a claim to protect your rights. You can always provide additional information as you discover more damage.

What Documents Should I Gather Before Filing My Hurricane Insurance Claim?

Collect your insurance policy, recent property appraisals, receipts for valuable items, previous inspection reports, mortgage information, and any prior damage documentation. Create an inventory of damaged personal property with descriptions, purchase dates, and estimated values. Gather contractor estimates for repairs and keep a log of all communications with your insurance company, including dates, times, and the names of representatives you speak with.

Is it a Mistake to Accept the First Settlement Offer from My Insurance Company?

Often, YES. Initial settlement offers are frequently lower than what you’re entitled to receive. Insurance companies may undervalue damage, overlook certain losses, or apply incorrect depreciation. Before accepting any offer, have the damage independently assessed by a qualified contractor or public adjuster. Consider consulting with an experienced insurance attorney who can review the offer and ensure it covers all your damages and policy benefits.

Should I Give a Recorded Statement to My Insurance Adjuster?

Be cautious. While you have a duty to cooperate with your insurer’s investigation, recorded statements can be used against you later. Insurance adjusters may ask leading questions designed to minimize your claim. Before giving any recorded statement, consider consulting with an attorney. If you do provide a statement, stick to facts, don’t speculate about damage causes, and avoid discussing previous claims or unrelated property issues.

What if My Insurance Company Delays Processing My Hurricane Claim?

Insurance companies must handle claims in good faith and within reasonable timeframes, which are often specified by state law. Unreasonable delays are a form of bad faith. Document all delays, follow up in writing, and keep records of every attempt to communicate. If delays persist, contact your state’s insurance commissioner and consider retaining an attorney who handles insurance bad faith cases.

Is It Necessary to Keep Damaged Items After Filing a Claim?

Generally, yes. Insurance companies may want to inspect damaged property before you dispose of it. However, you should remove items that pose health or safety hazards, such as mold-contaminated materials. Photograph everything before disposal and keep samples when possible. Create a detailed inventory with descriptions and estimated values. Your policy’s duties after loss section will outline specific requirements for preserving damaged property.

What Role Does an Attorney Play in Hurricane Insurance Claims?

Our expert hurricane insurance claim attorneys review your policy to identify all available coverage, communicate with your insurance company on your behalf, hire experts to document and value damages, negotiate for fair settlements, challenge unreasonable denials or lowball offers, and file lawsuits when necessary. Williams Law Association, P.A. has over three decades of experience handling hurricane damage claims. We understand the tactics insurance companies use to minimize claims and can protect your rights throughout the process.

Contact Williams Law Association, P.A. for Hurricane Insurance Claim Assistance

Navigating hurricane insurance claims doesn’t have to be overwhelming. If your claim has been denied, undervalued, or delayed, or if you want to ensure you’re receiving fair treatment, Williams Law Association, P.A. is here to help. Our experienced attorneys fight to protect policyholders’ rights and secure the compensation you deserve.

Don’t let insurance company tactics prevent you from recovering from hurricane damage. Contact Williams Law Association, P.A. today for a consultation about your hurricane insurance claim.