Licciardi Law office
Hurricane Preparedness and Claim Filing Guide
Prepare in Advance
- Secure Documentation: Gather all relevant insurance policies, photos of your property, receipts for recent repairs or upgrades, and personal identification.
- Create an Inventory: List your property’s contents, including valuable items, with photos or videos.
- Know Your Policy: Understand your coverage limits, deductibles, and exclusions related to hurricanes and flood damage.
- Emergency Kit: Prepare an emergency kit with essentials such as water, non-perishable food, medications, and important documents stored securely.
During the Hurricane
- Stay Safe: Follow local authorities’ evacuation orders and safety guidelines.
- Protect Documentation: If possible, store digital copies of your documents securely in the cloud or on a portable drive.
After the Hurricane
- Take clear photos and videos of all damage.
- Record dates and descriptions of damages or losses.
Filing the Insurance Claim
- Notify Your Insurer Promptly: Contact your insurance company as soon as possible to start the claims process.
- Provide Evidence: Submit the documentation, photos, videos, and an inventory list of damaged or lost property.
- Complete Claim Forms: Fill out all required forms accurately and thoroughly.
- Keep Records: Save copies of all communications, reports, and receipts related to your claim.
- OR contact us and we can guide you through the claims process
Assessment and Adjustment
- Schedule an Inspection: An insurance adjuster will assess the damage.
- Be Present During Inspection: Walk through with the adjuster, point out damages, and provide additional documentation if needed.
- OR contact us for help setting up inspections
Follow Up and Resolution
- Monitor Your Claim: Keep in touch with your insurer for updates.
- Review Settlement Offers: Ensure the compensation covers your losses based on your documentation and estimates.
- Appeal if Necessary: If you're unsatisfied with the settlement, file an appeal or seek additional assessment.
- OR contact us for assisting in this process
Follow Up and Resolution
Additional Tips
- Understand Local Resources: Know about disaster assistance programs and FEMA resources.
- Legal Assistance: Consult with an attorney if your claim is denied or if disputes arise.
- Stay Organized: Maintain a detailed file of all claim-related documents and correspondence.
- IF YOU CANNOT HANDLE THIS MATTER ALONE CALL LICCIARDI LAW OFFICE