If your home or commercial building has suffered hurricane damage, you should take immediate steps to secure the property to prevent injuries. You also should mitigate the hurricane damage, such as putting a tarp on the roof or plywood over a broken window.
Next, you should document the extent of the hurricane damage. Take photographs and prepare a written list of everything that has been damaged by the storm. If there has been damage to the roof or exterior, you may need to call in a contractor who can inspect the structural damage and provide an estimate for repairs. Also, if the building has suffered previous damage, try to locate any information related to those repairs. You want to be able to establish the “pre-loss” condition before filing your insurance claim.
With storm damage, it’s usually best to report a loss as soon as possible. That gives you time to gather the evidence. Recovery Insurance Adjusters can help you assess the damage and document your insurance claim in order to maximize your eventual settlement. Otherwise, your insurance claim may be denied, delayed or minimized by the insurer.
In any case, it’s important to talk with the insurance company before you begin repairing the property. The insurer will want to inspect the damage “as is,” and any premature repairs could result in a smaller settlement.
Because repairing storm damage can be expensive, particularly if the property is a total loss, it’s important to have Recovery Insurance Adjusters on your side – right from the start!