Some Helpful Tips on Filing Hurricane Insurance Claims:

If you have property that damaged or destroyed by Hurricane Sandy, the following tips may provide useful in submitting your claim to your insurer.

• Read Your Policy

Insurance policies are contracts entered into between yourself and your insurer. It is impossible to know what damage should be covered unless you know what the terms of your agreement are. Most standard Homeowner’s Policies will cover damage caused by wind, but unless you took out a special policy to cover flooding, you are probably out of luck when it comes to property damaged as a result of flooding.

• Contact Your Insurance Agent

If you are not sure about what your policy covers, you should call your insurance agent to find out what expenses are covered and to what degree. What you are entitled to will depend on your particular policy and your particular insurer.

“Tips on Filing Hurricane Insurance Claims”

• Document Everything

Save receipts for costs to repair damaged property and living expenses as you are required to mitigate damages, and you are probably entitled to be reimbursed to some degree for your living expenses if you have to rent a place to live because your house was destroyed.

• Save Valuable Property

Often times, policyholders do not have receipts for their valuable property. If you lost something valuable, hold onto it as proof of its existence.

• File Your Claim As Soon As Possible

Insurance companies have lots of claims to investigate, so the sooner you make your claim, the better off you will be. Most policies also have timing requirements on when a claim must be filed, so read through your policy and make your claim as soon as possible.

“Tips on Filing Hurricane Insurance Claims”

• Make Temporary Repairs To Mitigate Damages

Policyholders have an obligation to mitigate the damages. In other words, they have to make sure that they do all that they can to make sure what has already been damaged does not get worse. So, if it is safe to do so, make temporary repairs such as boarding up windows or doorways, patching a roof, etc.

• Consider Hiring A Private Adjuster Or Contractor

It may be to your advantage to have your own adjuster or contractor give you an idea of what it will cost to repair or replace what you have lost so that you have numbers to compare to what your insurer is offering.

“Tips on Filing Hurricane Insurance Claims”

• Stay Actively Involved With Your Claim

If your insurer wants to walk through your house, make arrangements to walk through with him. Be available to provide details of the condition of your property before it was damaged.

• Hire a Lawyer

If all else fails, hire an experienced Michigan Inurance Claims Attorney to determine whether you have a legitimate claim or visit us at Visit our
Goldman & Associates Google+ page.

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