What to do after a storm
After the storm, besides making temporary repairs, there are several steps you should take that will aid in the filing of an insurance claim.
Make temporary repairs
- Make temporary repairs to prevent further weather related damage. Cover holes in the roof, walls, doors and windows with plastic or boards. Be careful not to risk your own safety in making the repairs.
- Save receipts for any material you buy. Your insurance company will reimburse you for the cost.
- Beware of building contractors that encourage you to spend a lot of money on temporary repairs. Remember that payments for temporary repairs are part of the total settlement. If you pay a contractor a large sum for a temporary repair job, you may not have enough money for permanent repairs.
- Don't make extensive permanent repairs until after the claims adjuster has been to your home and assessed the damage.
- Avoid using electrical appliances, including stereos and television sets, that have been exposed to water unless they've been checked by a technician.
Call your insurance agent or insurance company
- Report the damage to your insurance agent or insurance company representative. Ask questions such as: Am I covered? Does my claim exceed my deductible? (Your deductible is the amount of loss you agree to pay yourself when you buy a policy.) How long will it take to process my claim? Will I need to obtain estimates for repairs to structural damage?
Save receipts for additional living expenses.
- Most homeowners policies cover additional living expenses such as food and housing costs, telephone or utility installation costs in a temporary residence, extra transportation costs to and from work or school, relocation and storage expenses and furniture rental for a temporary residence. Your insurance company will usually advance you money for these expenses. The payments will be part of the final claim settlement. Let your insurance company know where you can be reached so that the claims adjuster can give you a check.
- The maximum amount available to pay for such expenses is generally equal to 20 percent of the insurance on your home. So on a home insured for $100,000, up to $20,000 would be available. This amount is in addition to the $100,000 to pay for repairs or to rebuild your home. Some insurance companies pay more than 20 percent. Others limit additional living expenses to the amount actually spent during a certain period of time, such as 12 months, instead of a maximum percentage of the policy limit.
Preparing for the adjuster's visit
The claims process may begin in one of two ways.
- Major disasters make enormous demands on insurance company personnel. Your adjuster generally will come prepared to do a thorough and complete study of the damage to your home. However, the large number of claims may place time restrictions on adjusters forcing them to "scope the loss." If your adjuster doesn't make a complete evaluation of the loss on the first visit, try to set up an appointment for a second visit.
- Be sure to keep copies of lists and other documents you submit to your insurance company. Also, keep copies of whatever paperwork your insurance company gives you.
Structure of Your Home: