Take the time now to review your homeowners or property insurance policy. Ensure you are fully covered for hurricane-related damage, especially wind, water, and flood damage. Most standard policies cover wind damage, but many do not cover flooding. Make sure your flood insurance is up to date, as this is often a separate policy.
If you're unsure about your coverage, it's a good idea to contact your insurance agent or public adjuster for a detailed review. As a public adjuster, I can help you understand the scope of your coverage, what may be missing, and how to make sure you’re protected. Feel free to email me your policy for a free review.
One of the most critical steps before any storm is to document your property thoroughly. Walk through every room and take clear photos and videos of all your belongings. Make sure to capture: High-value items, like electronics, appliances, and furniture. Exterior elements, including your roof, windows, and landscaping.
This documentation will serve as invaluable evidence if you need to file a claim after the hurricane.
Taking preventative measures can help minimize damage. Here are some key steps:
Trim trees and remove dead or loose branches that could cause damage in high winds. Bring in outdoor furniture or anything that could become a projectile in strong winds. Clean gutters and downspouts to allow rainwater to flow freely. Secure your roof by checking for any loose shingles or tiles. If time permits, consider installing roof straps or reinforcements.
Understand the Claims Process:
If your property sustains damage, knowing how to navigate the claims process is crucial for getting the compensation you deserve.
As a public adjuster, I can help manage the insurance claim process from start to finish, ensuring you receive a fair settlement for your claim. My role is to work on your behalf, assessing the damage, negotiating with the insurance company, and ensuring you get the maximum payout for your loss.
After a hurricane, the claims process can be lengthy and frustrating. Insurance companies may offer low settlements or delay your claim. As a public adjuster, I advocate for you, not the insurance company. I ensure that your claim is properly handled, fully documented, and that you receive the compensation you need to restore your home and livelihood.
Hurricanes like Helene are a reminder of how important it is to prepare early and stay informed. Taking steps now to secure your property, review your insurance policy, and understand the claims process can make all the difference.
If you have any questions or need help understanding your coverage before or after the storm, don’t hesitate to reach out. I am here to assist you in getting the protection and compensation you deserve.