Following a Florida hurricane, you are likely assessing the damage to your home and dealing with repairs. During the aftermath, you may receive a call from your insurance adjuster. Notably, they may ask you to give a quick recorded statement to “speed up your claim.”
Before you agree, take a moment to consider the legal implications of their request. While you may feel you have a “duty to cooperate” under your policy, the request may be a trap. Providing an unscripted recorded statement could jeopardize your entire claim.
Hidden risks
A recorded statement can become evidence in court. Insurance companies are for-profit entities and their adjusters look for ways to minimize or deny payouts. After the stress of a hurricane, insurers may contact you and look for ways to use your words against you.
For example, an insurer may claim your roof’s storm damage was due to preexisting conditions. Additionally, your statements can accidentally trigger an exclusion in your policy that denies coverage for water damage.
In Florida property claims, insurers may later compare your recorded answers to photos, weather data and other information. They may raise defenses like misrepresentation or failure to cooperate to deny your claim.
How to protect your claim
If your insurer requests a recorded statement, think twice before agreeing. These steps can help you evaluate your situation and protect your interests:
- Take your time: You can inform the adjuster that you are still assessing the damage and are not ready to provide a statement. Ask to reschedule for a later date.
- Request written questions: Ask if you can provide a written statement or respond to their questions via email. This allows you to be precise, check your facts, and avoid the pressure of a live recording.
- Stick to the facts: If you do need to communicate, keep your answers short and factual. It is perfectly acceptable to say “I do not know” or tell them you need to check documents to confirm.
- Consult a legal representative: For cases with extensive damages, consider having a representative present during the statement. They can ensure the questions are fair and prevent you from falling into common traps.
After a hurricane, your primary goal is to restore your home. By being cautious with recorded statements, you can avoid insurance companies using your own words against you. If you are unsure of your legal options and strategies, seek guidance from an experienced legal professional.