5 Steps to Filing Your Insurance Claim
With Hurricane Irma quickly approaching Florida, Wind and storm damage will likely occur. If you become the victim of storm and flood damage, you will need to file a claim with your insurance company to start the recovery process. You pay a lot of money for your insurance so it makes sense that if your home suffers damage, you will want to make a claim. Depending on the cause of the damages and the type of damages your home suffers, your insurance company will be able to provide coverage based on the kind of policy you have. It is important that you take photographs of your personal belongings and home to document the condition of your home and the presence/existence of those belongings. Your Claims Process May Be Different Depending On The Type Of Claim Was it flood, wind, rain, loss of use, emergency mitigation? Or maybe temporary repairs? Hopefully in all of these cases, especially if your home suffered catastrophic damages, by using these steps you will be ready to get your claim settled quickly and get the help you deserve from your insurance company. Here are the 5 basic steps in filing an insurance claim. Step 1- Contact a Claims Professional It is always best to have another person take down the details of the damage or incident. You will probably be shaken up following damage to your home and property and may not be in the best position to assess what has happened. In a worst case scenario, a claims professional can ensure your physical safety and well being. They can assist with serious damage, temporary repairs and dangerous damage like leaking fuel or gas. After the fact, you will have a report or documentation to substantiate your insurance claim. Step 2 – Collect Information You Need About the Damage and Claim Having your insurance policy and damage report ready will help you keep track of the information you will need to file the claim. It is important to document and photograph the details of the damages and be ready to provide them to the insurance company. Step 3 –Call Your Insurance Company Right Away Call you insurance company from the scene of the damage if you can. They will walk you through the next steps and tell you what you need to send them. If your house is not liveable, they will let you know how to make alternative arrangements. If you don’t call them, so that they can help you understand your coverages, you won’t know how they can help and you may end up spending more money than you need to. Once you have called your insurance company, they will open the claims file and you can expect the following steps in the claim process: Step 4 –A Claims Specialist Gets Assigned to Your Claim Once your claim is reported to your car insurance company, they will assign a claims professional, like an adjuster to work on your car insurance claim. The claims professional assigned to you is there to answer any questions you have, so don’t be afraid to ask your questions, including about when your payment will be made and what to expect. Step 5 –Getting Your Home Fixed and Claim Payment Once the adjuster has done all their research you should have an estimate of the cost to repair, as well as whether you have a deductible to pay, and how the claim will play out. Carefully review the estimate and proposed payout. You should consult an expert as to whether the estimate and payout will be sufficient to repair your home. If you experience difficulty in the claims process you should consult with an experienced attorney. The attorneys at HD Law Partners have experience with assisting homeowners with their insurance claims. Should you or someone you know require assistance with their insurance claim, telephone the attorneys at HD Law Partners. Tags: Filing An Insurance Claim, Florida Homeowners Insurance Lawyer, Florida Homeowners Insurance Lawyers Posted in Homeowners Association | No Comments » Connect with us Archives May 2026 April 2026 March 2026 February 2026 January 2026 December 2025 November 2025 October 2025 September 2025 July 2025 June 2025 January 2025 January 2024 December 2023 November 2023 October 2023 September 2023 August 2023 July 2023 June 2023 May 2023 April 2023 March 2023 February 2023 January 2023 December 2022 November 2022 October 2022 September 2022 August 2022 July 2022 May 2022 April 2022 March 2022 November 2021 October 2021 September 2021 August 2021 July 2021 May 2021 April 2021 March 2021 February 2021 January 2021 December 2020 November 2020 October 2020 August 2020 July 2020 June 2020 May 2020 April 2020 March 2020 February 2020 January 2020 December 2019 November 2019 October 2019 September 2019 August 2019 July 2019 June 2019 May 2019 April 2019 March 2019 February 2019 January 2019 December 2018 November 2018 October 2018 September 2018 August 2018 July 2018 June 2018 May 2018 April 2018 March 2018 February 2018 January 2018 December 2017 November 2017 October 2017 September 2017 August 2017 July 2017 June 2017 May 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 November 13 Categories Alimony Appellate Arbitration Auto Accidents Auto Insurance Business Corporate Business Insurance Law Child Custody Child Support Criminal Law Divorce Family Law FEMA Insurance Payments Florida’s Mandatory 2‑Hour Legal Professionalism CLE: Foreclosure Defense Fort Myers Hurricane Insurance Attorney General Guardianship HD Law Partners Service HOA/Property Management Homeowners Association Homeowners Insurance Hurricane Claims Hurricane Insurance Insurance Bad Faith Insurance Claims Insurance Defense Insurance Litigation Landlord Tenant Law Enforcement Liability Loan Modifications Mold Water Damage Parental Rights Paternity Personal Injury Premises Liability Law Prenuptial Agreements Private Security Property Distribution Property Owner Law Sarasota Insurance Litigation Attorney Slip Fall Tampa Business and Corporate Attorneys tampa family attorney Tampa Insurance Attorneys Timeshare Timesharing Uncategorized HD Law Partners is proud to be your trusted full-service law firm Quick Links Property & Casualty Business & Corporate Litigation Family Law Contact Us Careers Get In Touch 2002 North Lois Avenue Suite 510 Tampa, FL 33607 813-253-5333 Contact Us