How Does the Claims Process Work After a Hurricane?

Before cleaning up or making temporary repairs, take extensive photos and videos of all water and wind damage. Capture every affected area, including ceilings, walls, floors, and personal belongings. Write detailed notes about what happened and when. This visual evidence is critical for your claim and helps the insurance adjuster understand the full scope of the loss.

An insurance adjuster will visit your property to inspect the hurricane damage. They will assess the cause, such as wind-driven rain or flooding, and the extent of the destruction. It helps to be present to point out all damaged areas and provide your documentation. The adjuster's report forms the basis for your insurer's coverage decision and payment calculation.

• Take photos of the adjuster's credentials for your records.
• Walk through the property with the adjuster to ensure nothing is missed.
• Provide copies of your photos, videos, and inventory list.
• Ask questions about anything you don't understand in their assessment.
• Keep a log of all conversations with the adjuster, including dates.
• Understand that flood damage often requires a separate policy.

Once you have approval, you can hire local water damage pros to begin the restoration work. Provide them with a copy of the insurance scope of work. They can help document additional damage found during cleanup for a supplemental claim. Keep all receipts and invoices for work completed, as you may need to submit them to your insurer for reimbursement.

• Get a detailed, written estimate from the pros before work begins.
• Confirm the work plan aligns with your insurer's scope and coverage.
• Ask the pros to document any hidden damage discovered during demolition.
• Maintain clear communication between the restoration pros and your adjuster.
• Save all contracts, invoices, and proof of payments.
• Be aware that you are ultimately responsible for paying the pros.