Filing an Insurance Claim for Hurricane Ian
Hurricane Ian is causing widespread damage throughout the U.S., and it will likely take several weeks before the power becomes restored. If you need to file an insurance claim, we’ve put together these helpful tips to help guide you through the process, so your claim is processed as quickly as possible.
Take Photos of All Property Damage
When you make an insurance claim, you’re asking your insurance company to pay for everything damaged in the storm — from roof damage to furniture destruction — and to cover any other expenses related to the disaster.
To get your money back, you need proof: photos of your home or business — ideally taken before and after the storm — will provide the evidence you need to file an insurance claim (and a lawsuit if it comes to that). Without them, there’s no proof that you suffered the damages you’re claiming.
Photos are your best friend when filing an insurance claim if you have suffered damages from Hurricane Ian. A photo is worth a thousand words. And in many cases, it’s worth more than that.
First, you want to keep track of the cost of repairs. Take pictures of every damaged item and any other evidence of the storm’s impact on your home or business. Keep receipts for all related costs, including temporary housing, transportation, food, and supplies.
You’ll also need to document personal losses not covered by insurance — like lost income from missed work days or a damaged vehicle that needs repairs before you can drive it again.
The more evidence you have, the stronger your case will be when you file an insurance claim (and a lawsuit if it comes to that). Without photos taken before and after the storm, there’s no proof that you suffered the damages you’re claiming.
File an Insurance Claim Promptly
If you’re wondering how to file an insurance claim after a natural disaster, the easiest way is to be proactive. If your home was damaged, take photos of the damage before it gets worse and ensure that you have all of your documents (such as receipts) in electronic or hard copy form. When you get ahold of your agent as soon as possible, they should be able to help with the process. Be prepared for any delays that may come along the way, and enlist the help of an attorney if necessary.
Aside from saving you time and money, quickly filing a claim can also protect your rights. If you change your mind about the extent of damages later, an insurance company might try to argue that they didn’t occur during the storm. That’s where all those photos and videos come into play.
Filing an insurance claim can be confusing, but it’s essential to do it right to ensure you get the total compensation you deserve. If your insurer makes unreasonable demands or delays in payment, our attorneys can help you with any legal action.