HURRICANE INSURANCE
CLAIM GUIDE




HELPFUL TIPS TO GET YOU THROUGH THIS TRYING TIME
FROM YOUR FRIENDS AT:

LEVALLEY & NAPOLITANO, P.L.
Attorneys at Law

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HOW TO PREPARE YOUR CLAIM

  • Take photographs or videotape of the damage.

  • Make temporary repairs -- save receipts for any materials that you purchase. To the extent possible, you need to take steps to prevent further damage. Don't make extensive permanent repairs until after the claims adjuster has been to your home and assessed the damage.

  • Call your insurance agent or company -- report the damage.

  • Save receipts for additional living expenses -- the minimum amount available to pay for such expenses is generally equal to 20% of the insurance on the home.

  • Prepare for the adjuster's visit -- be sure to keep copies of lists and other documents that you submit to your insurance company and any paperwork that the insurance company gives to you.

  • Keep a diary of all contact with your adjuster, your insurance company and your agent.

    If your insurance company is not treating you fairly, deal with them politely and confirm everything in writing. Take careful notes of who said what to you, and always get the company to respond in writing. This may be the point at which you would like to get an attorney involved. We invite you to ask us questions about your hurricane claim for free.
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Unlike insurance company claims adjusters who are paid to keep claim costs down, we will make sure you get all the benefits you have been paying for with your premiums. Your insurance company owes you a duty of good faith. If it wrongfully denies or low-balls your claim, it may be liable for both benefits due under your policy and damages for bad faith.

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.

We know that often times your life savings is invested in your home and that you work hard to keep your home looking good to provide a safe and comfortable environment for your family. The attorneys of LeValley & Napolitano, P.L. have over ten years experience working on property cases involving insurance claims, and our goal is to help you protect your investment by assisting you in obtaining a recovery from your insurance company for your damages.

 

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