The storm has gone – what comes next? Here are the important benchmarks for an insurance claim, which can also be accessed in an easy-to-understand infographic. TALLAHASSEE, Fla. – On Thursday afternoon, Hurricane Ian headed into the Atlantic, leaving Florida homeowners their next task: Making repairs and filing insurance claims. An infographic from the Personal Insurance Federation of Florida – The Life of a Hurricane Claim – provides an easy-to-understand synopsis of the steps homeowners should now take. A broad look at the steps
- Survey damage and contact your insurance agent.
- Make and document (with photographs) emergency repairs that are necessary to prevent further damage.
- The insurer will have an adjuster inspect the damage. After notification, an insurer has 90 days to pay a valid, uncontested claim.
- Once the insurer confirms the homeowner has a “covered loss,” they’ll cut a check – minus any deductible noted in the homeowner’s insurance policy.
- The homeowner then uses the funds to hire a contractor and make the necessary repairs – but before signing, they should confirm that contractor’s license status at MyFloridaLicense.com.
- Flood claims require a separate policy from standard property insurance policies. Check this guide for navigating the flood insurance claims process.
- Homeowners who suffered damaged have an Assignment of Benefits (AOB) option. Owners should fully understand their obligations before signing any documents.
- What happens after a claim has been filed? The CFO offers an explanation of what to expect.
