Filing Insurance Claims After a Natural Disaster

Nov 01, 2012 No Comments by

Many homeowners get lulled into a false sense of security when they purchase homeowners insurance. They often assume that their homeowners policy will completely cover them in the event of a natural disaster. Depending on the nature of the damage, this is not always the case. That’s why getting a fast start on the insurance claims filing process after a natural disaster is so important.


Though it might not be the first thing on your mind after a devastating hurricane, tropical storm, or tornado, contacting your insurance agent or your insurer’s claims department should be a high priority. This will expedite the insurance claims adjuster’s visit to survey the damage caused by the natural disaster. After calling your insurer, itemize your damaged possessions, but don’t discard anything before your adjuster documents it. Having an organized inventory will inevitably make the insurance claims process smoother and more easily resolved.


Sometimes, the aftermath of a natural disaster can be just as trying as the initial occurrence. Aftershocks of earthquakes immediately come to mind. When possible, you should make temporary repairs to property and personal items to mitigate further damage—but don’t undertake any permanent repairs until an insurance claims adjuster has approved it.


Concise record keeping is a must. Regardless of the extent of the damage, saving all receipts can save you money and headaches down the line. You may even be reimbursed by your insurance company for repairs, temporary housing, and the food eaten while you were unable to return home. While it’s true that your insurance may not cover everything, your receipts may qualify you for federal income tax itemized deductions depending on the amount of the loss.


Being prepared to file an insurance claim after a natural disaster will make financial recovery much more manageable in the short and long term. Ultimately, a little organization will go a long way.


Home Insurance, Home Services, Natural Disaster

About the author

The author didnt add any Information to his profile yet
No Responses to “Filing Insurance Claims After a Natural Disaster”

Leave a Reply