1. Assessing the Damage and Documenting Losses

The first step after a hurricane is to carefully assess your property. Take detailed photos and videos from multiple angles—this evidence is crucial for insurance claims. Unless a tree hit your house or your roof blew off, most damage is considered flood-related, which is typically excluded from standard homeowners insurance. Flood coverage usually comes from the NFIP or private providers.

2. Obligations to Mitigate Damages

Homeowners have a legal duty to prevent further damage after the storm. This may include:

• Removing wet carpets and flooring to prevent mold.
• Cutting drywall above the flood line to stop water from spreading.

Document all actions and keep receipts for emergency repairs. Avoid major repairs until after the insurance adjuster inspects the property.

3. Filing an Insurance Claim: Step-by-Step

Start your claim as soon as possible:

• Notify Your Insurer: Report the damage promptly and follow their instructions.
• Review Your Policy: Understand what’s covered—wind is usually included, flooding is not unless you have separate flood insurance.
• Work with an Adjuster: Provide documentation, photos, and receipts.
• Consider a Public Adjuster: If the insurer’s estimate is too low, you can hire your own NFIP-certified adjuster (especially for flood claims).

4. Understanding Different Types of Insurance

Hurricanes cause mixed damages, and coverage varies:

• Homeowners Insurance: Covers wind/storm damage (broken windows, damaged roofs, falling trees).
• Flood Insurance: Covers rising water/flooding, typically excluded from standard homeowners policies.
• Windstorm Insurance: In hurricane-prone states, may be required separately to cover wind damage.

5. Financial Assistance Beyond Insurance

If insurance doesn’t cover all your losses, additional aid may be available:

• FEMA Assistance: Grants for uninsured damages, temporary housing, and repairs. Grants don’t need repayment.
• SBA Disaster Loans: Low-interest loans for homeowners, renters, and businesses to rebuild and replace property.
• State & Local Programs: Some states and counties offer grants or loans for disaster recovery.

6. Appealing Insurance Decisions & Hiring Help

If your claim is denied, underpaid, or delayed:

• Review the Decision: Request a written explanation from your insurer.
• File an Appeal: Submit more evidence (contractor estimates, expert reports, additional photos).
• Hire a Public Adjuster: For independent reassessment of damages.
• Consult an Attorney: If delays or lowball offers continue, legal action may be necessary.
• Bad Faith Claims: If your insurer acts unfairly, you may sue for damages, attorney fees, and possibly punitive damages.

7. Best Practices for Managing Claims

Improve your chances of a smooth recovery by following these steps:

• Stay Organized: Keep all documents, receipts, and correspondence in one place.
• Follow Up: Check regularly with your insurer—delays are common after large storms.
• Hire Licensed Contractors: Avoid scams by verifying licenses and credentials.
• Document Before Repairing: Prevent further damage quickly, but don’t make major repairs before adjuster inspection.