Hurricane aftermath can be overwhelming, but filing a successful insurance claim doesn't have to be. As daunting as it may seem, understanding your insurance coverage and following a step-by-step process can help you navigate this process with confidence.
Here's a guide from the experts at Liberty Adjusters to help you make the most of your hurricane claim.
Step 1: Document Damages
This part can make or break your insurance claim, so it should be the first thing you do (aside from ensuring your own safety). Immediately after the hurricane, your first step should be to document all damage. Take clear pictures and videos and make a detailed list of damaged items.
Step 2: Call a Public Insurance Adjuster
In the chaotic aftermath of a hurricane, having a professional advocate can make all the difference. The first step is to call a public insurance adjuster, like us here at Liberty Adjusters.
Unlike insurance adjusters who work for insurance companies and whose goal is to minimize the payout, a public insurance adjuster works on your behalf.
Step 3: Fulfill Your Duty After Loss
Once you've secured a public insurance adjuster's service, your next step involves fulfilling certain obligations, often referred to as your 'duty after loss.' These are actions you're required to take following a disaster to prevent further damage and to support the claim process.
Your duties can include:
promptly report the damage to your insurance company
protecting the property from additional harm by making temporary repairs
providing the necessary documentation to your adjuster
A public insurance adjuster can guide you through these tasks, ensuring you fulfill your responsibilities while also making certain your claim is not jeopardized
Still not sure what your duty after loss is? > Watch this video
Step 4: Benefit from Expert Negotiation with a Public Adjuster
Insurance settlement discussions can often involve complex negotiation, often without you knowing that the questions will be used against you. By involving a public insurance adjuster, you're equipping yourself with a professional who knows the intricacies of these discussions.
Need Help Filing a Hurricane Insurance Claim? Contact Liberty Adjusters!
Navigating an insurance claim after a hurricane can be stressful, but remember, you're not alone. The team at Liberty Adjusters is here to guide you every step of the way, from understanding your policy to filing a successful claim.
Contact us today and let us help you get through this challenging time with minimal stress.