Hurricane Damage? Here’s What You Need to Know!

[email protected] Real Estate Leave a Comment

The team at TransAct Brokers Real Estate sincerely hope that you and your family are safe following Hurricane Irma.  As with any catastrophic natural disaster it is often difficult to find paperwork and remember just what steps to take when filing an insurance claim and dealing with repairs to your home and property.  In an effort to assist our valuable clients, friends and neighbors of the past 15 years the team at TransAct Brokers Real Estate have complied a list of valuable resource for you.

To begin we have attached a download to the helpful guide from the Florida Department of Financial Services here entitle “Homeowners Insurance – A Toolkit for Customers.” to help guide you through the insurance claim process.

Additionally we are providing a list of the largest insurers and their contact data and website information for you to download. Click here.

Florida Insurance Commissioner David Altmaier has the following tips to help consumers as they begin the process of filing insurance claims on damaged property and belongings:

Tip 1: Locate all applicable insurance policies. This may include a homeowners’ policy, flood policy (flood coverage is not covered under a typical homeowners’ policy and is separate coverage) and an automobile policy (may cover damage to your car from flooding).

Tip 2: Document all damaged property and belongings. Take photos or shoot video footage before attempting any temporary repairs. When you file an insurance claim, you may be asked for visual documentation of damages. A photographic home inventory is a handy resource for this situation. A free smartphone app developed by the National Association of Insurance Commissioners called “MyHome Scr.APP.book” can help you take and store a room-by-room log of photos.

Tip 3: Contact your insurance company or insurance agent as soon as possible to report damages. Insurance policies require prompt reporting of claims, so it is important to act as soon as possible. Again, if you need help finding your property insurance company’s website and contact information, click here.

Tip 4: Cover damaged areas that may be exposed to the elements in order to prevent further damage. Your insurance company may reimburse the expense of these temporary repairs, so keep all receipts. Remove water-logged and otherwise damaged items from your house to prevent the spread of mold, but document them and do not dispose of any damaged property until your insurance company adjuster has had an opportunity to survey it.

Toll-free Insurance Consumer Helpline (1-877-693-5236) can answer business and consumer-oriented insurance-related questions. A Hurricane Irma Insurance Resources webpage has been created to provide comprehensive insurance information. Access the webpage by clicking on the “Hurricane Irma” button on www.myfloridacfo.com

The Office of Insurance Regulation also has additional storm-related materials online. Visit their website at: www.floir.com/Office/HurricaneSeason/hurricaneresourcepage.aspx.

All above data courtesy of the Florida Office of Insurance Regulation which has the primary responsibility for regulation, compliance and enforcement of statutes related to the business of insurance and the monitoring of industry markets.  Photo supplied courtesy of Orange County Register www.ocregister.com

About the Author
author photo