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How do I prove storm damages to an insurer?

Many Florida homeowners understand that their lives could be upended by the arrival of a hurricane, most notably by the damage inflicted on their homes by the storm. But sometimes an insurance company does not want to pay the full amount to cover home repairs and may attempt to lowball a client with a lesser amount. That is why you should be ready to provide your insurer with documentation that proves your claims are valid.

According to The Nest, you should photograph the damage done to your home. If your roof took a hit from a hurricane, be sure to take pictures of it. These images will show your insurer the extent of the damage. You should also accumulate documented quotes from contractors who have come out to survey your home. Your insurer may underestimate how much contractors in your vicinity charge. Written quotes can help inform them otherwise.

Homeowners should also document expenses that stem from the damage to their homes. For instance, a home ravaged by flood water will probably need new carpeting and new furniture. The homeowner may also need to have a cleaning professional come in and get rid of mold that has built up in the home. Floors and walls could need to be torn out and redone. A homeowner in this position should keep the receipts related to these activities.

As a result of the damage to your home, you might have to stay somewhere else until the home is livable once again. Since costs associated with staying in a different place also stem from the storm damage, be sure to keep the receipts that are related to these activities as well. These include the costs of moving your stuff out of your damaged home to another abode.

This range of documentation may be enough to convince an insurance company that your expenses are genuine. Sometimes, though, an insurer may not budge. If you consider bringing legal action against your insurer, possessing thorough documentation can be an asset when it comes time to argue your case. But since insurance disputes vary widely, do not consider this article as legal advice and read it only for general information purposes.

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