Don’t let a denied claim double your storm damage. When a hurricane hits, proving what you owned before the disaster is critical.
Follow this quick pre-storm checklist to protect your insurance payout.
1. Film a Quick Video Inventory
- Walk through every room: Open closets, drawers, and cabinets on camera.
- Focus on high-value items: Zoom in on brand tags and serial numbers for electronics, tools, and appliances.
- Document the exterior: Capture your roof, siding, windows, and yard.
- Turn on timestamps: Enable location and time tags in your phone settings for proof.
2. Cloud-Backup Your Policy
- Save digital copies: Upload your insurance declarations page, flood policy, and major receipts to Google Drive or iCloud.
- Save phone numbers: Put your insurer’s 24/7 claim hotline directly into your phone contacts.
- Pack hard copies: Put paper policy numbers in a sealed, waterproof bag.
3. Know Your Out-of-Pocket Costs
- Hurricane Deductibles: These are usually 2% to 10% of your home’s total insured value, not a flat fee.
- Flood vs. Wind: Standard insurance covers wind; rising water requires separate flood insurance.
4. Prevent Avoidable Damage
Insurers can deny claims if you fail to secure your property:
- Clear the yard: Bring patio furniture, grills, and plants inside so they don’t become projectiles.
- Clear gutters: Ensure water flows away from your home’s foundation.
- Photograph storm prep: Take photos showing your hurricane shutters or plywood secured in place.
Need help navigating or maximizing your insurance claim? Give our team a call today – we’re here to help you get the payout you deserve!
