WHAT TO DO IF YOU HAVE DAMAGE
If you need to contact us directly, we can be reached at 407.675.3880. It is important to note, claims cannot be submitted through this line – they need to be reported to your insurance company.
- Document: Take photos and video before the storm to create an inventory of your belongings and after to document damage if you have a claim.
- Take precautionary measures: One of the most important things you can do is to prevent further damage. If you have damage, make sure your property is secure, board broken windows, dry carpets and tarp or board damaged roofs. Don’t attempt any major non-emergency repairs until the adjuster can see the damage. Take photos of damage. Keep receipts of emergency supplies and temporary accommodations.
- File the claim with your insurer: Claims are handled in the order they are received so getting the claim reported to the insurer is key. If you are not in the area, be sure to check with local government resources and/or FEMA to determine if it is safe to re-enter the area.
- How to speed up the claim process:
- Get 2-3 repair estimates for the adjuster to review, including their preferred vendors.
- Send photos of damage, including photos before damage if possible, to adjuster.
- Create a list of damaged property, including description, cost and receipt if possible.
- Keep damaged property for the adjuster to review – some policies, such as flood insurance, require that you retain damaged property for an inspection. While you may wish to remove the soggy carpeting so mold doesn’t develop, refrain from having the damaged items hauled away until the adjuster approves doing so.
- Keep a detailed journal of your emails, calls with insurance companies and adjusters so you can proactively manage the process.
- Be cautious of “assignment of benefits” scams. The contract may include terms such as “for insurance proceeds” or “assignment of benefits”.
Take photographs of the
following: the outside of the premises showing the flooding and the damage to
the building and the water lines of the exterior and interior of the building
using a tape measure showing the height of the water in and around your