With Hurricane Season Approaching, Get Answers To Frequently Asked Questions About Property Damage Claims
The 2021 hurricane season begins on June 1. Homeowner’s property insurance coverage you have in place can help to protect you against losses you suffer due to storms, but filing a claim can be a complex and confusing process. To help you prepare for the months ahead, our Daytona Beach property damage attorneys answer some of your most frequently asked questions:
What Are First Steps When Property Damage Happens?
According to the Insurance Journal, adverse weather is the leading cause of homeowner property damage claims and the biggest threat in Florida is during hurricane season. Your first step when any type of property damage happens should be to notify your insurance company. After making this call, take pictures of the damages, secure the area as needed, keep copies of insurance documents handy, and get an estimate for repairs.
What Information Do I Need To Collect For The Insurance Company?
When reporting damage to your property, there are certain types of information you will need. This includes your policy number, the date damage occurred, how it happened, and a list of the total property damages you suffered. It is a good idea to take pictures of your property prior to filing a claim. If you have these, make copies and provide them to the claims adjuster when they visit to further document the damage.
When Can I Expect An Adjuster To Come To My Home?
Soon after calling your insurer and informing them of damages, they will send an insurance adjuster out to survey your property and the degree of harm done. Accompany them during this process and briefly answer questions about how and when the damage happened. Avoid elaborating, guessing about causes, or speculating on the cost of repairs. The adjuster will record their findings and the insurance company will use this in determining whether to approve your claim and the amount to offer in a settlement.
How Soon Can I Expect Settlement On My Claim?
After meeting with the claims adjuster, you will need to complete a proof of loss statement, which is a signed affidavit asserting your losses. Under the Florida Statutes, once the insurance company receives this statement, they then have up to 30 days to inform you or whether your claim is covered in full, partially approved, or denied.
What Should I Do If My Claim Is Denied?
If the insurance company denies your claim or offers less than what you need to cover your damages, you have the right to appeal their decision. However, it is important to act quickly. Contact our Daytona Beach property damage attorneys to get the trusted legal guidance you need in this situation.
Reach Out to Us Today for Help
At Bundza & Rodriguez, P.A., we act as a strong legal ally on your side when dealing with insurance companies and claims adjusters. To avoid paying out of pocket for the damages you suffered, reach out and contact our Daytona Beach property damage attorneys to request a consultation today.