The following tips provided by the Florida Insurance Council may be helpful when settling an insurance claim following a disaster.
- Contact your insurance agent as quickly as possible informing them of your losses. If you are relocated temporarily, provide the new address and phone number. Your insurance company may send a claim form for you to complete, or an adjuster may visit your home first before you are asked to fill out any forms.
- Many homeowners’ policies cover additional living expenses, such as an advance if you need temporary shelter, food and clothing due to sustained damages.
- Keep receipts for all monetary expenditures and be sure the check for additional living expenses is written out to you and not your mortgage holder, the bank or other lender. This money is separate from the money used for repairs to your home.
- Make only repairs necessary to prevent further damage to your home or business, including covering breaks or holes in the roof, walls or windows with plywood, canvas or other waterproof material. Do not allow permanent repairs without first consulting your insurance agent. Unauthorized repairs may not be reimbursed. If household furnishings are exposed to weather, move them to a safe location for storage. Save receipts for what you spend and submit them to your insurance company for reimbursement.
- Avoid using electrical appliances, including televisions and stereos, which have been exposed to water unless a technician has approved it is safe.