Unfortunately, when it comes to property damage, homeowners don’t think about filing a claim until they have to. Working with an insurance claim lawyer can help alleviate some of the worries that are placed on your shoulders when you’re trying to figure out your next steps after your home has suffered damage, with or without hurricane prep. Your Insurance Attorney in Miami has a team of experts that can work with you to help you understand what steps you should take and how you should plan for filing an insurance claim with your provider.
Everything You Need to Know About Hurricane Prep and Filing Insurance Claims
After your property has sustained damage, it may not be so easy to think of everything you should do before, during, and after you file a claim with your insurance company, which is why it’s essential to know and plan for the steps you need to take before this tragedy happens.
- Make sure you have records of your belongings: Before damage happens, make a list of all of your possessions as well as their estimated values and keep in in the cloud so you can access it easily. Another thing you want to make sure you have is documentation on your house itself. This could be pictures of the way your home looks or walking through your home creating video footage. The simplest way to capture a video of your home is to walk through with your Smartphone. While you’re recording the video of your home, make sure you are narrating the video and stating what you are recording and its cost. It’s critical that you also have pictures and videos of the outside of your home, as well.
- Review your insurance policies, including your property and flood coverage: Reading over this information can help you gain knowledge about what will and won’t be covered if your home suffers any damage during a natural disaster. There will also be information in your policy about whether or not things like hotel bills, restaurant meals, or other expenses would be covered in the event that you have to leave your home.
- Install safety equipment: If you live in an area that is prone to natural disasters like storms, it is imperative that you take all of the precautions available. For instance, if you live in an area with hurricanes installing hurricane shutters is a great way to protect your home from damage. This is especially crucial if your insurance policy states that you have these fixtures on your home because if you don’t do so, they can deny any post-storm claim you file.
Contact Us for an Insurance Claim Lawyer
Your Insurance Attorney is located in Miami and can help you understand the best way to work with your insurance company when filing a claim. Also, if you need advice and information on how to handle hurricane prep, we are more than happy to help. If you find yourself in need of a property damage attorney call or visit us today to find out how we can partner with you!