Even before the storm strikes, there are a few actions to take
- Organize all of your insurance documents and put them in an accessible location.
- Review your insurance policies. Know what they cover - Actual Cash Value or Replacement Costs. Make sure you have the kind of coverage you want and need.
- Have your valuables appraised (such as antiques, jewelry, art) and keep the appraisals with your above important papers.
Proper action once disaster strikes can determine the success of your recovery.
- Notify your insurance company of your loss as soon as possible.
- Protect your property from further damage - either natural or looting.
- Find temporary housing or perform temporary emergency repairs to prevent further damage
- Locate a temporary alternate business location.
- Remove all valuables if the property is not secure. Hire security if you must - your insurance policy may cover this expense.
- Do Not sign any authorization contracts except temporary board-up of property.
- Do Not let your personal property be removed by anyone until it has been properly photographed and documented.
- Make a detailed inventory list and description of every damaged item.
- Do Not allow immediate demolition or debris removal from your property as you could destroy the evidence for your claim.
- Record ALL of your loss-related activities. Keep a clear paper trail of all relevant expenses: list them and KEEP RECEIPTS.
- Keep a communication log (phone, email, letters) and document date/time/person and what was said.
- If possible, be present when the insurance company's adjuster inspects the damage. Take detailed notes.
- Get more than one bid for construction work - three bids are ideal. Avoid the unlicensed or unknown operators; working with local, highly reputable companies is your best bet.
- DO NOT SIGN ANY RELEASES OR WAIVERS for the insurance company until you are satisfied that you've received a fair settlement. Signing a release is NOT a necessary part of a settlement, and most insurers will still pay you without it.
- You should get the proper settlement you deserve according to your contract with your insurance company. By law you cannot profit from tile claim. Insurance fraud is a serious crime!
- Consult a Public Insurance Adjuster to represent your interests. Make sure the Adjuster is licensed in your state and is a member off the Florida Association of Public Insurance Adjusters.
- Contact us for a free consultation.
