How Do I Start Insurance Claims After Hurricane Damage?

Before touching anything, take photos and videos of every affected area. Capture wide shots of rooms, close-ups of water lines, and any damaged belongings. This visual record is your primary evidence for the claim, so be thorough and include time stamps if possible.

Make a written list of damaged items, noting their approximate age and value. If you have receipts or serial numbers, attach them. Also document the date and time you noticed the damage, plus any weather conditions that contributed. This information helps your insurance company assess the situation accurately.

• Photograph walls, floors, ceilings, and personal items
• Video walk through each room
• List damaged items with estimated values
• Note dates and times of damage
• Keep receipts for any purchases
• Store all records in a safe, dry place

Call your insurance company as soon as you have documented the damage. Provide your policy number and describe the extent of the damage. Ask for a claim number and write down the name of the representative you speak with. This creates a paper trail for future reference.

Follow up in writing if possible, summarizing your conversation and confirming the claim details. Keep a log of all calls, emails, and letters, including dates and names. This documentation protects you if any disputes arise later. Act quickly, but stay organized throughout the process.

Before the adjuster's visit, have your documentation organized and accessible. Walk through the property with them, pointing out all damage. Ask questions and take notes during their inspection. This is your opportunity to ensure nothing is overlooked.

If you disagree with the adjuster's assessment, you can appeal or provide additional evidence. Keep copies of all paperwork, including the adjuster's report. For complex claims, consider hiring a public adjuster, but check your policy first. Preparation matters, especially after a major storm.

• Organize photos, videos, and receipts
• Walk through with the adjuster
• Ask questions and take notes
• Keep copies of all reports
• Appeal if you disagree
• Consider professional help if needed