According
to USA Today, much of the damage caused by flooding during Hurricane Harvey
will not be covered by insurance. While homeowner’s and renter’s insurance
usually cover wind damage, protection from groundwater flooding is only covered
by flood insurance. Last spring, fewer than 20% of homes in Harris County,
Texas, which is home to Houston, had flood insurance through the National Flood
Insurance program.
For those filing claims, the best way to make sure you get
the most out of your post-hurricane insurance claim is to contact your insurance
company as soon as possible and then keep detailed records. Insurance adjusters
typically visit the most damaged sites first, so while it can take up to six
months for an insurance adjuster to contact you, it’s important to have as much
information for the adjuster as possible.
You should first assess damage to your home. Take plenty of
photos and video from multiple angles. Keep a written log of personal items
that have been damaged. Include date of purchase and price of the item, and
take photos of any damaged items. If possible, hold onto any damaged items to
show to the adjuster unless you need to throw certain items away per local
regulations.
If you need to make repairs to your home directly following
a storm, keep all receipts. You should also keep receipts for hotel stays and
meals purchased if you are unable to stay in your home due to storm damage.
According to the Consumer Federation of America, it is also
advisable to keep a log of communications with your insurance company. Be sure
to note the date, time, issues discussed, and the name and contact info of the
employee every time you speak to the insurance company about the claim. You
should have your claim number ready any time you speak to your insurance
company. If you haven’t been visited by an adjuster, ask when you can expect to
see one.
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