After a hurricane, here's how to make your insurance claim.

 



The Insurance Information Institute (I.I.I.)  You can report storm damage to your property or home through the Insurance Information Institute (I.I.I.). This information can be accessed via your smartphone, or mobile phone. These tips will help you file an insurance claim for storm damage.

Contact your insurer as soon as possible to begin the process. You should send your insurer your policy number, best telephone number, and email address. After a major storm, insurers go first to the most severely affected areas. It is important to provide a detailed description. Any special requirements should be explained. Ask your insurance company when they can reach you to ensure the visit is possible. In case of an emergency, it is a good idea to have the contact information for your insurance company. Contact the agent or broker who sold flood insurance to file a claim.

Document you loss

The insurance adjuster will most likely inspect your vehicle and other properties to determine if any damage has occurred. He or she will then write you a check for repair, replacement, rebuild, repair or other costs. Send us photos of the damaged items. Keep track of the purchase date as well as the approximate amount. Keep all receipts. Keep an inventory. Many companies require it.

Before you dispose of any damaged items, make sure that you have insurance confirmation. To support your claims, your adjuster will need photos of storm-damaged objects.

Get SMS/text notifications

Many insurance companies offer text message and SMS alerts to keep you informed about the status of your case. You will receive a text message notification when you submit your claim. Notifications will be sent to you when your estimate has been approved and when payment has been made.

Learn about emergency services. To help protect your home from further damage, many companies will send an approved company.

Keep track of claims

When you file a claim, it is important to keep accurate records. Keep track of everyone you contact regarding your claim. Notify them about their names, titles, contact information and any other details. You should keep track of the date and time, as well as any other issues. If you are organized, the claims process will be much easier.

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