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Mon, Sep 18, 2017| | News

What to do after a Hurricane Hits

Hurricanes are devastating and recovery takes time. However, if you have sustained property damage, there are steps that you can take after the storm passes to make your insurance claims process smoother. Here are some helpful tips to follow: 1. Document the Damage. Take pictures or shoot video footage before attempting any temporary repairs to assist in the claim process. This includes personal property such as televisions, cars, major appliances, and furniture. 2. Prevent Further Damage. While you need to attempt to preserve your property, do only what’s necessary to prevent further damage, such as covering up broken windows with plastic, moving furniture to an undamaged portion of the house or putting a tarp on your roof. The insurance adjuster will need to see what happened first-hand to assess your claim. 3. Find Your Insurance Policy. Try to locate your insurance policy to determine what is covered. Look for homeowners, flood (flood coverage is not covered under most homeowners policies and is separate coverage) and automobile policies (may cover damage to your car). 4. Find a Safe Place to Stay. If your home is uninhabitable, the loss of use coverage in a standard homeowners insurance policy typically helps pay for your family’s lodging as long as the damage is part of a covered claim. Check your policy or ask your insurance agent to make sure you have this coverage and to determine its monetary value and time limits. If you get payments up front for temporary living expenses, don’t sign […]

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