Filing an Insurance Claim After a Natural Disaster

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The worst has happened, and a natural disaster has hit your home. What insurance companies classify as a natural disaster can vary depending on the company, but things like lightning strikes, hail, fires, and snowstorms are all natural disasters. Before filing a claim, it is important to keep track of what events your insurance plan covers. Most insurance plans will not cover things like flooding and earthquakes by default, which is why it is important to ensure that you have these plans in place if you live in areas prone to this kind of natural disaster. The most important thing to keep in mind during a natural disaster is to make sure that you and your family are safe before proceeding with anything. While you may be tempted to rush in and try and save your possessions, your life is more valuable than anything you own and is not worth risking.

Once the initial danger has passed, make sure to make any quick repairs that you can to stop the damage from spreading. In many cases, natural disasters come in a quick succession, and any damages to your home can increase the risk of other issues down the road. By making these quick fixes you may save yourself additional headaches and repairs in the future.

After the dust has settled, it is important to document the damages immediately. It is best to make sure to leave a heavy paper trail when filing an insurance claim. This can include an itemized list of all possessions, pictures of the damages with time and location stamps, and any other information that your insurer requests. When filing an insurance claim after a home disaster, it is important to file your claim as soon as possible. In the case of an extensive natural disaster such as a flood or a serious hail storm, your insurer will be swamped with a wide number of claims, meaning it can take weeks or even months for them to get back to you about your claim.

Once your insurer looks over your claim, your insurance company may reach out to you for more information. It is important to keep written records of all correspondence between you and your insurance company, as well as to keep on top of any deadlines for submitting paperwork. If your home is now uninhabitable after the storm, contact your insurance company. In many cases, they will have plans in place for living expenses so that you and your family can relocate to another location while paperwork is being processed without having to worry about stretching your funds thinner than they already are during this time.

Types of Reimbursement and Procedure

It is important to know what kind of insurance reimbursement your plan covers. Your insurance may either have replacement cost or actual cost value (ACV) plans for possessions. While replacement cost policies will give you the cash value for any items you own, actual cost value plans are a bit trickier. They work on the idea of depreciation, which means that if your TV was $600 when you first purchased it four years ago, it may be worth much less now. Make sure to keep this in mind when figuring out your future expenses and be prepared to negotiate.

Your insurance company will most likely send out a claims adjuster to look at the damages in your home. Before the adjuster arrives, make sure to give your home a once over and check for any damages that may not be immediately apparent to the naked eye. Most adjusters have many claims they need to check in one day, so making sure to be as quick and thorough as possible can help increase the chances of your claim being approved.

While filing an insurance claim after a home disaster can seem overwhelming, making sure to do the correct paperwork and keep a diligent record of your damages and expense can make the process go smoothly. Make sure you know the terms of your insurance plan and are aware of the various claims available to you before a natural disaster strikes, and make sure to advocate for the needs of your home and your family to get the best possible outcome. And above all, follow the deadlines to avoid potential complications in the long run.

Other Services Restoration Pro Offers

  • Water Damage and Restoration
  • Fire and Smoke Damage Repair and Restoration
  • Reconstruction and Remodeling
  • Tree Removal and Repair
  • Flood Restoration and Water Removal
  • Insurance Claim Assistance
Restoration Pro
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Lorrie Ferris
Lorrie Ferris
19:38 08 Jul 20
I would give them 10 stars if I could! Matt, Eric, the entire crew and subcontractors were EXCEPTIONAL in every way. ... Response time, communications, workmanship, coordination of work crews/materials delivery was outstanding! I could not believe they could do my renovations in two days but my kitchen was back in business! Thank You!!!!read more
Quentin Duncan
Quentin Duncan
04:52 06 Feb 20
Matt and his team responded immediately to our bathroom flooding. Matt and Eric made our miserable situation into a... positive experience. They explained the process of repairing the water damage and let us know we were in good hands. The Restoration Pro team was very prompt, friendly, and professional. My wife and I had overwhelming circumstances and were extremely busy bringing our son into this world and Eric, our project manager, worked around our crazy schedules with no problems at all. I would 110% recommend Restoration Pro to anyone. The team had great craftsmanship and it was obvious they were very experienced. My wife and I have had other contractors do work for us before and Restoration Pro trumps anyone else that has worked with more
RK wilfong
RK wilfong
23:36 05 Feb 20
Restoration Pro was great. Quick and very high quality. Crew were all friendly and consideret. They kept things clean... as possible. I will recommend. Restoration Pro to anyone that needs emergency more
Truth Seekers
Truth Seekers
15:04 04 Feb 20
Quality - UnsurpassedValue - Getting What You Pay ForResponsiveness - Caring and professional. No wasting... time.Punctuality - Good at keeping you informed of schedule, arrival.Personality: Exemplary respect for property owner and propertyIN ONE SENTENCE:The work and the experience was so above the norm, that I chose them to be our "go to" for ANYTHING.I have no time or interest in searching through Angies, Google and multiple attempts for references to find several different specialists. Restoration Pro does it ALL -- so I can stick with them for anything that involves a project where I want multiple remodel or repair needs and peace of mind that I can "trust" more
April MacKenzie
April MacKenzie
20:11 02 Jan 20
I am currently working with another company, I called Restoration Pro to get some context regarding my problems with... the current company I am using. Kevin spent 11 minutes on the phone with me. We talked about reasonable time lines, communication expectations, what I could do to move things along, and what the challenges are for general contractors to complete projects. He gave a very balanced view, knowing I already had a disaster company engaged and he wasn't getting my business on this more
Rick Archuleta
Rick Archuleta
20:51 10 Jul 19
This company is simply THE BEST! After one company came in and made our crawl space worse we contacted Restoration Pro... to come in and do the job right. They completely remediated the space and resolved the problems. All the workers were professional and respectful, going the extra mile to cover floors and closets while working. Highly recommend Restoration Pro... the true professionals!read more
Cindy Roche
Cindy Roche
16:50 05 Apr 19
Restoration Pro saved us when our kitchen was flooded!!! They did a fantastic job helping us through the process of a... complete remodel of our kitchen, Thankyou so much👍🏻read more
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