A natural disaster has damaged your home or other personal property. You probably feel overwhelmed and you don't know where to start. Follow these do’s and don’ts to stay safe, effectively file a disaster recovery claim and start rebuilding your life.
Do take heed of ongoing disaster recovery and disaster relief efforts. If you're ordered to evacuate, comply with local law enforcement.
Do use your loss of use coverage to pay for a rental space for your family--if it's covered by your homeowners insurance policy.
Do ask for a thorough inspection of your electrical system, which many insurers provide.
Do file an insurance claim as soon as possible. The quicker you file a claim after a natural disaster, the sooner you'll receive benefits and compensation for lost and damaged property. Contact your homeowners insurance and any other disaster coverage providers, and speak to an agent about the damage.
Do collect valuable documents, such as your insurance policy, bank information and home inventory list.
Do photograph or videotape disaster damage to the house grounds, including ongoing damage, such as that caused by standing water.
Don't re-enter your home to make your own repairs if it's in a dangerous state. Wait for fire departments, gas companies and electrical companies to secure the area and clear debris, downed poles, wires and fire hazards from the property.
Don't neglect to secure your home from further damage. You may need to reinforce windows, doors and entryways from the assault of more weather damage.
Don't forget to make an appointment with your insurance adjuster. His assessment is essential to the claims process, as your insurer uses his documentation to determine the amount of your reimbursement. Don't forget to tell your adjuster whether you want a partial or advance payment.
Don't throw away any letters or documents from your insurer. And keep copies of anything you send to the insurance company, too.
Don't forget to sign and complete the Proof of Loss statement that your insurer sends you. Send this form on time, as late submission can result in a denied insurance claim.
Don't threaten to bring in a lawyer if your insurer denies your claim. First try meditation and appealing for a re-assessment.
Don't embellish your claim or lie about damage to your property. This can cause significant delays--or outright rejection of your insurance claim.