How to File a Hurricane Insurance Claim in North Carolina After Hurricane Florence - Robert armstrong personal injury attorney north carolina

If you have suffered any type of loss resulting from hurricane Florence, do not assume you are powerless.  Your best course of action is to meet with an attorney and file a hurricane insurance claim.  The manner in which you file your claim and the time at which it is submitted both matter a great deal.  Let’s take a look at a few tips that will ameliorate the claim process.

Get off to a Quick Start

Time is of the essence following a hurricane of this magnitude.  The insurance company will be inundated with phone calls from property owners looking to file claims.  Contact your insurance company as soon as possible after the hurricane so you can get the ball rolling on your claim.  Insurance companies typically handle claim filers in a first come, first serve manner so don’t delay.

Document Every Aspect of the Claim

Take pictures of all the damage.  Write down all the information the insurance company representative provides during each conversation.  Be sure to record your claim number in a second space just in case you lose the first copy. Write down detailed notes during each interaction with the insurance company.  Be sure to ask for the customer service representative’s name each time you speak with the company about your claim.

If you have had any repairs performed following the storm, keep your receipts.  It also makes sense to keep receipts for living expenses accrued as a result of the storm, be it a stay in a hotel, meals, the costs of evacuation, etc. 

Be Careful When Interacting With Adjusters

The insurance company will likely send an adjuster to your property.  When this person arrives, ask him or her if they are employed by the insurance company or if they are an independent adjuster.  Independent adjusters must be authorized to make decisions and payments pertaining to claims on behalf of the insurance provider. 

Process Your Claim Through a Trusted Channel

There are plenty of opportunists going door-to-door following Hurricane Florence and other nasty storms.  These manipulators will knock on doors, claim to be an insurance adjuster or a contractor.  Do not trust these people.  True professionals are unlikely to go from one door to the next in the aftermath of a hurricane or other storm.

Detail all Damage In-depth

Though it is depressing to document all of the damage to your property following a massive hurricane, it must be done.  The more thoroughly you document the damage, the better your chances are of recovering ample compensation.  It is not enough to simply describe the damage to an insurance adjuster in a conversation conducted over the phone.  You should take pictures of the damage, send those pictures to the insurance company and do everything else in your power to prove the extent of the damage stemming from the hurricane.

Collecting detailed information about your property loss will also facilitate the completion of the proof of loss form.  This form allows you to describe the property or items damaged in the storm, the date of their purchase and the cost for repair or replacement. Our legal team is here to help you complete this form, comply with all legal requirements and obtain as much compensation as possible.

How to Proceed if You do not Have Insurance

If you have minimal or no insurance, do not assume you are out of luck following hurricane damage.  If you have home insurance but do not have flood insurance, call the insurance provider.  Certain homeowner policies that do not provide compensation for damage resulting from flooding might cover damage caused by water and/or wind.  Auto insurance will likely cover damage to your vehicle caused by downed trees.  Finally, those who have absolutely no insurance at all should contact local nonprofit groups or the Federal Emergency Management Agency (FEMA) DisasterAssistance.gov website for more information about aid.

Contact Robert Armstrong Law to discuss your claim.