Hurricane Damage Insurance Claims

Hurricanes can be extremely devastating in a number of ways, occurring a wide range of damages. Tropical storms and hurricanes are one of the most unfortunate consequences of living in Florida and a large concern during hurricane season.

It is important to examine your insurance policy limitations and what is deductible before a disaster strikes. For example, many policies exclude flood damage even if it is common to experience a flood during or after a hurricane. Policies do tend to include wind damage and in some cases water damage. These are all important factors when claiming your insurance company for particular damages arising from hurricanes.

Policy limitations is another aspect of a claim that is important to review, determining the maximum amount of money an insurance company will pay for a covered claim. Knowing the limits of the claim with which you have filed a claim for damages incurred will assist one from being denied for the filed claim for hurricane insurance claims.

What to do if your property sustains hurricane damage:

• Take Photographs of any damage to the interior and exterior of your home
• Have photos to compare to before the storm took place
• Have a public adjuster contractor or damage assessment expert assess the property
• Understand your insurance policy and what is covered