Follow these steps to file a claim for coverage for wind damage from Hurricane Harvey.
Contact your insurance provider:
Knowing these things will help you prepare for the next step. Most policies require a claim to be filed within 60 days of the damage occurring, but the deadline can be extended in some circumstances. Because claims are filed in order in which they are received, it may take the insurance company some time to get back to you. Unfortunately, fraudulent activity is common in post-disaster areas. You should be aware that criminals may be trying to take advantage of your situation. Don’t be afraid to ask for confirmation from anyone claiming to be a representative of an insurance company.
Cleaning up your property:
Most homeowners want their house to be back to normal as quickly as possible. Before you start removing anything from your property, document all the damage you find. You will need to provide some proof for your losses when you make your insurance claim, and the more you can share, the better your chances are of regaining lost property. Do not throw anything away until an adjuster has visited your property. Floodwaters can contain sewage, chemicals, and other things dangerous to human life. Cleaning your house with a bleach solution helps prevent buildup of mold and mildew, and also destroys bacteria that may not be safe. If you decide to make temporary repairs, save your receipts. If you pay a contractor for temporary repairs, it will be deducted from your insurance coverage, and leave less money for you to make permanent repairs.
Filing Your Claim:
Living expenses are covered under wind damage claims if you and your family relocated after the storm. When the adjuster visits, they will help you file a Proof of Loss. The documentation you provide can greatly reduce the time it takes for the insurance company to assess your claim and get things back to normal. If you feel that your insurance provider is not completely adhering to your policy, get legal help immediately before it is too late.