Hurricane damage, whether to your home or business, is difficult and time consuming. There are a few key issues to address to ensure your insurance claim is handled promptly, and in a fair manner. These steps could also help you if you are filing an insurance claim lawsuit in the face of low-balled, delayed or denied claims.
Taking photos or making videos of the damage is crucial. Today's meteorology gives us ample time to prepare when confronted with a hurricane. Before the storm hits, shoot a quick video of what the home looks like. Include as much as time allows. After the storm, video or take photo's of everything, starting with the outside of the house, front to back, making sure to include all four sides, and any other buildings on the property, such as a shed or garage. Try to get as much of the roof that you can in every shot. Take wide shots of the yard and then zoom in closer for more detail. Move to the inside of the house and go room by room, first video the entire room, and then move on to individual items contained in that room. Make an inventory of damaged property while doing all this.
Cover up damaged property
If your property sustained any hurricane damage, cover it up with a tarp or similar protective water-resistant material, to prevent further damage from the elements. If you do not make an effort to prevent further damage, your insurer can deny your claim. Make sure to save everything, having physical proof of your damaged property.
Keep a claims diary
Keeping a detailed log of phone calls and visitors is as important as other documents, and down the road can help you avoid lots of headaches. Don't rely on your memory at this stressful time. Document with date and time who you talked to and what was said. The more information you have at hand, the better your recollection of events will be.
File your claim promptly
Don't wait too long to file your insurance claim. Insurance companies often require policy holders to file within a certain amount of time. When filing your claim, make sure to include videos, photo's and any other documentation to help prove your claim.
For more tips and information on how to recover your damaged property, contact the professionals at Insurance Claims Consultants. With almost 40 years experience on handling property damage claims, ICC will help you get the most value from your policy and stand with you when dealing with your insurance company. Contact Jeff and the team at ICC and start recovering your damaged property today. Call toll free at 800-428-8583, or use this contact form.
ICC Public Adjusters doing business in Charlotte NC
Even though Charlotte NC is located in the northern region of the state, hurricane damage can still be catastrophic.
It's obvious, Call us to assist you in planning your claims process time line.
Even if you don't hire us, we will help you get started, and offer valuable hints and insight into this complex claims process.
At ICC, we work solely on the policyholder’s behalf, so you can be sure you are getting the best independent and customer-focused service. If you don’t succeed, we don’t succeed
- Detail the full scope of property damage and estimate repair costs
- Perform content loss, personal injury and business impairment assessments
- Contract specialist to underpin and validate any claims
- Liaise directly with your insurance company, acting solely on your behalf
- Obtain the maximum pay-out possible subject to the findings of our reports
- Ensure your property is returned to its original state as soon as reasonably viable
ICC knows how to get the best value out of your policy because it is of the utmost importance.
Let us remove your uncertainty and guide you through the claims process.
A little history on Charlotte NC.
In 2017, the U.S. Census Bureau estimated the population was 859,035, making it the 17th-most populous city in the United States. The Charlotte metropolitan area ranks 22nd-largest in the U.S., and had a 2016 population of 2,474,314. The Charlotte metropolitan area is part of a sixteen-county market region or combined statistical area with a 2016 U.S. Census population estimate of 2,632,249.Between 2004 and 2014, Charlotte was ranked as the country's fastest-growing metro area, with 888,000 new residents. Based on U.S. Census data from 2005 to 2015, it tops the 50 largest U.S. cities as the millennial hub. It is the second-largest city in the southeastern United States, just behind Jacksonville, Florida. It is the third-fastest-growing major city in the United States] It is listed as a "gamma-minus" global city by the Globalization and World Cities Research Network. Residents are referred to as "Charlotteans".