Contact Insurance Provider
Report damages as soon as possible. Keep a log of all communications including names, dates, and topics discussed.
Prevent Further Damage
Make only temporary repairs to prevent additional losses. Save receipts for reimbursement. Do not make any permanent repairs until an adjuster inspects the damage.
Document Damage
Take photos and videos and make a detailed list of damage or destroyed items. This includes purchase dates, prices, and receipts if available. Use a home inventory app or spreadsheet if possible.
Review Coverage and Expenses
Ask if your policy covers temporary living expense while home is being repaired. Keep receipts for meals and temporary housing.
Be Cautious with Contractors and Adjusters
Be present during inspections. Used trusted contractors. Avoid paying in full upfront. If hiring a public adjuster, verify they are licensed and reputable with the Department. DO NOT SIGN ANYTHING UNTIL YOU TALK WITH YOUR INSURANCE COMPANY.
Understand the Claims Process
Claims may be paid in parts: an initial emergency advance, followed by payments for property and repairs. Structure-related payments may include your mortgage company and be released in stages.
Don't Rush Settlement Decisions
Take time to review your settlement. If disagreements arise, try resolving with your insurer or contact your attorney.
Prepare for Next Disaster or Claim
As you replace items, update your home inventory. When rebuilding, consider using materials that will resist damage such as impact resistant shingles or siding. Insurance companies may offer discounts on insurance for these resistant materials.
