Hurricane Claim Frequently Asked Questions

Written by Brian Culbertson on August 25, 2012

When a hurricane event occurs, Culbertson Agency understands your need to get your life back together as quickly as possible.  We are dedicated to helping you resolve your  hurricane claim promptly.   Please view our claims contact page to contact your carrier directly to being the claim process.

WHAT IF MY HOME IS UNINHABITABLE?

Your policy should provide coverage for Additional Living Expenses.  You may be reimbursed for the increase cost that is necessary and reasonable to maintain your normal standard of living when your home is uninhabitable due to a hurricane or tropical storm.  The period of time for which you'll be reimburse is limited as specified by your policy.  Payments made under the Additional Living Expense provision are in addition to the applicable coverage policy limits.   Keep receipts for any additional living expenses for reimbursement consideration.

SHOULD I WAIT UNTIL SOMEONE INSPECTS THE DAMAGE BEFORE  MAKING REPAIRS?

If temporary repairs are needed to prevent further loss to your property, you do not have to wait for your adjuster to inspect your home or settle your loss.  Temporary repairs must be made to prevent further loss to your property.  Most roperty policies have a reimbursement provision for reasonable and necessary temporary repair costs (up to a specified limit) that you incur while trying to protect your covered property from additional damage resulting from a hurricane.  Please be sure to save receipts for consideration of reimbursement.  You also do not have to wait for your adjuster to inspect your home or settle your loss in order for you to select a repair firm, but you should wait to being final repairs until an inspection is made and the covered damages are properly assessed.

WHAT IF I HAVE DAMAGE TO MY PERSONAL PROPERTY?

If your claim involves personal property and your policy provides coverage for personal property damages that result from a covered loss, make a list  of all damaged items to give to your claim adjuster. Be sure to include the manufacturers' names, model numbers, purchase dates and purchase prices.

WHAT ARE THE STEPS TO FILE FL HOME INSURANCE CLAIM?

Step 1:

File the Claim and report the loss by calling the insurance carrier claim team directly.

Step 2:

A catastrophe claims adjuster will contact you to answer your questions and determine the best way to handle your loss.

Step 3:

Your adjuster will evaluate the damages for an estimate and determine needed repairs and/or replacement, and prepare an estimate for damages.

Step 4:

Review your estimate that should provide you with the damage settlement based on your policy terms and coverages.

Step 5:

Wrap up the claim.  Your adjuster will send yo appropriate documents and/or applicable payments

WHEN WILL SOMEONE INSPECT MY DAMAGE?

Once you make the initial contact to open the claim your with insurance carrier, they will determine if an inspection of your damage is needed or if your loss can be settled by phone.  Since catastrophes typically involve many severe claims, appointments are typically scheduled based on severity.

HOW LONG WILL IT TAKE TO COMPLETE MY CLAIM?

The length of time it takes to complete the claim process depends on several factors, the biggest being, how many other claims are being filed at the same time as yours.  With a major storm there may be thousands of customers affected.  This along with how complex your damage, available vendors and safe access to damaged areas will contribute to the length of time it takes to settle your claim. Should you have additional questions please contact the claims team for your insurance carrier directly or contact our agency and we will help guide you through the process.    

   

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