18 Sep After Hurricanes and Storms: Steps to Filing an Insurance Claim

The south seems to be affected by hurricanes and severe weather. These types of storms can cause massive amounts of property damage to homes in our area, which concludes to hundreds of insurance claims. Unfortunately, standard homeowners’ and renters’ insurance policies often cover wind damage, but not groundwater flooding. Flood insurance is a separate form of coverage from the National Flood Insurance Program or a private insurance company. Spivey Insurance has made a list of tips that you can follow when you’re faced with a major insurance claim due to severe weather.

Contact your insurance company. Immediately after the accidents make sure to report the claim right to your agent. Make sure to be prepared to provide accurate description of any damages made to your personal items or even your home.

Document everything. When there has been damages to your home or personal items, it is critical to take photos or videos of the damages made. You may also want to include the price of each item. This is one of the most important first steps to take when filing an insurance claim.

Keep Records. If you are unable to return back safely home make sure you keep track of your receipts for hotels and meals.

Use our mobile app. This will allow you to store a home inventory of all things in your home and send to us to keep on file. All the information can be uploaded directly from your phone to the app. Learn more about our mobile app here.

If you know that severe weather will be coming in the area make sure your home insurance is updated immediately to ensure that you have the proper coverage in case damages do occur from a hurricane or severe weather. Here at Spivey Insurance we want to protect what’s closest to you that means from your personal belongings to your home. If you have questions regarding any type of insurance policy make sure you to call our office today at 704-861-4460. Stay connected with us on Twitter, Facebook, Instagram, Pintrest, and Google Plus.