For some homeowners in Florida, the aftermath of a hurricane or other natural disaster may be the hardest part of the storm to get through. However, the process of filing an insurance claim and having it approved doesn't have to be a negative experience. Prior to severe weather occurring, it can be a good idea to take steps to protect a home such as repairing loose shingles or getting gunk out of gutters.
It is also a good idea to seal windows and doors with caulk or weatherstripping to prevent the possibility of rain or other debris getting into the property. In addition to getting a home ready for a storm, it is important to start preparing to file a claim before it strikes. Part of the process is having a conversation with an insurance agent to confirm what a policy does and does not cover.
Homeowners should take pictures or videos of each room in their home as well as of their cars and boats. These pictures and videos can be used as proof that they were in good condition prior to the storm and were damaged as it occurred. Ideally, the photos will be stored on a device or server that is secure from physical damage as well as unauthorized digital access.
When a storm causes roof damage or other types of damage to a home, a homeowner may opt to file an insurance claim. If the damage is covered under a homeowner's existing policy, the insurance company should pay up to the limit specified in policy documents. Failure to honor a valid policy may be considered a breach of contract. An attorney may be able to help a policyholder get a favorable resolution either by holding settlement talks or by going to court.