Before A Disaster Strikes – Plan Ahead

  • Make sure you have the kind of insurance coverage you want and need.
  • Review your insurance policies. Do they cover Actual Cash Value or Replacement Costs?
  • Take photos of your home, inside and out, and your valuables.  Keep copies in a safe place.

After a Disaster Strikes – Proper Action Can Determine the Success of Your Recovery

  • Notify your insurance company of your loss as soon as possible.  Notify me when you have received an estimate from your insurance company. 
  • Protect your property from further damage (by nature or vandalism) with temporary emergency repairs. Keep all receipts for reimbursement. 
  • If your property is not secure, remove all valuables. 
  • Make a detailed list and description of every damaged item and document them with lots of photographs before removal to ensure you have claim evidence.
  • Do not allow immediate demolition or debris removal; damage and debris must also be photographed and documented.
  • Keep copies of all photographs submitted to your insurance company.
  • Do not sign any authorization contracts except temporary board-up of property.
  • Record all your loss-related activites and expenses with a clear paper trail and keep all receipts.
  • Keep a log of your communications with your insurance company: phone calls, email, faxes, letters, etc. and document the date/time/person and what was said.
  • Be present when the insurance company's adjuster inspects the damage and take detailed notes.
  • Get more than one bid for construction work—three are ideal—from licensed, reputable, local contractors only.
  • Do not sign any releases or waivers 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 settlement you deserve according to your policy with your insurance company. I can advise you on how to determine if you are being treated fairly.
  • By law you cannot profit from the claim. Insurance fraud is a serious crime!
  • Contact me for a free consultation.

I don't get paid until you get paid—and my work is free if you don't receive more than your insurance company's original settlement offer. My fee is covered by a portion of those additional funds, which often double the original offer.


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We also represent 911 Restore of Indian River County, providing mold remediation.
© - Steven L. Philipson - Accredited Public Insurance Adjuster of Indian River County - All rights reserved.