Common Mistakes to Avoid When Filing a Hurricane Insurance Claim

Filing a hurricane insurance claim can be complex and stressful, especially after a significant storm. To ensure you receive the compensation you’re entitled to, avoiding common mistakes that could jeopardize your claim is essential. Here are some key pitfalls to avoid:

1. Not Understanding Your Policy

Misinterpreting Coverage: One of the most common mistakes is not fully understanding your insurance policy. Policies vary widely regarding what they cover, including exclusions and limits.
Assuming Comprehensive Coverage: Don’t assume all types of hurricane damage are covered. For instance, flood damage may require separate flood insurance; not all policies cover wind-driven rain.

2. Delaying the Claim Filing

Missing Deadlines: Insurance policies often have specific timelines for reporting damage. Delaying the filing of your claim can lead to denial or reduced compensation.
Postponing Documentation: Start documenting damage as soon as it’s safe. Delays can lead to issues like further deterioration of property, which could complicate the claim.

3. Inadequate Documentation

Insufficient Evidence: A common mistake is failing to document the damage thoroughly. Take comprehensive photos and videos of all affected areas, including structural damage, personal belongings, and the surrounding property.
Lack of Detail: Include detailed descriptions of the damage, estimates for repair costs, and receipts for any emergency repairs or temporary accommodations.

4. Making Repairs Too Soon

Premature Repairs: While making temporary repairs to prevent further damage (such as covering broken windows) is important, avoid making permanent repairs before the insurance adjuster has assessed the damage.
Not Keeping Receipts: Keep all receipts and records of temporary repairs and emergency expenses. These may be reimbursable under your policy.

5. Not Keeping Communication Records

Lack of Documentation: Keep a detailed record of all communications with your insurance company, including phone calls, emails, and letters. Note the date, time, and content of each interaction.
Failure to Follow Up: Don’t rely solely on verbal assurances. Get everything in writing, including promises made by adjusters or agents.

6. Accepting an Initial Lowball Offer

Quick Settlement: Insurance companies may offer a quick, low settlement. Don’t feel pressured to accept the first offer, especially if it doesn’t cover your full losses.
Signing a Release Without Understanding It: Be cautious about signing any release forms. Some releases may limit your ability to pursue additional claims for undiscovered damage. Always read and fully understand any documents before signing.

7. Overlooking Additional Living Expenses (ALE)

Not Claiming ALE: If your home is uninhabitable, your policy may cover additional living expenses, such as hotel stays, meals, and transportation. Make sure to document and claim these expenses.
Underestimating Costs: Keep detailed records of all out-of-pocket expenses related to the displacement.

8. Failing to Consider Future Damages

Ignoring Potential Issues: Some damages, such as structural issues or mold growth, may not be immediately apparent. Consider potential future damages when filing your claim.
Not Consulting Experts: It may be beneficial to consult with contractors, engineers, or other experts to fully understand the damage’s extent.

9. Underestimating the Value of Damaged Property

Undervaluing Losses: Ensure you accurately assess the value of all damaged property, including personal belongings. Use receipts, appraisals, and other documentation to substantiate your claim.
Forgetting Personal Items: Don’t overlook smaller items or personal belongings that may add up to a significant amount.

10. Not Seeking Professional Assistance

Expertise in Insurance Law: A lawyer specializing in insurance claims understands the complexities of insurance policies and can ensure that your claim is filed correctly and on time.
Accurate Damage Assessment: Lawyers often work with experts such as contractors and public adjusters to thoroughly assess and document the damage, ensuring that all losses are accounted for.
Ignoring Legal Advice: If your claim is denied or underpaid, our lawyers can help you understand your options and take legal action if necessary.
Peace of Mind: Having a lawyer handle your claim lets you focus on recovering from the storm and rebuilding your life, knowing that your claim is in capable hands.