Natural Disasters

• Personal well-being
  • Establish some form of communication
  • Find temporary shelter
  • Seek medical attention if necessary
  • Account for all family members and pets
• Insurance related responsibilities:
  • Notify your insurance agent about a claim
  • If possible mitigate further damages
  • Take photographs of the damages
  • Keep receipts of all purchases post loss
  • Locate important documents

• Experienced public adjusters know the ins and outs of the claims process specific to natural disaster claims.
• Beginning the adjustment and claim process with the insurance company and expediting the schedule of events is critical for a successful adjustment and resumption of a normal life. To put it simply, we make it our priority to get your claim to the insurance company ( trying to say head of the line)
• Assisting the policy holder to secure temporary housing.
• Assisting the business owner to resume operations as quickly as possible.

• Your policy comes with coverage for additional living expense in the event you’ve been displaced from your home. The coverage is meant to provide you with a comparable living arrangement in the same or similar location.
• The coverage is meant to allow for above normal costs to establish temporary housing. Additional living costs may include  mileage, meals and establishing utilities

Receiving assistance from a charitable or governmental organization does not preclude you from filing an insurance claim.

• Neighbors and friends are always willing to lend a helping hand but they may be dealing with their own disruption and unable to help in a timely manner.
• Securing your property after the storm is critical both to your insurance claim and preservation of your family’s most cherished belongings.
• Allow our team of experts to be your eyes and ears on the ground to ensure your property is secured, and stabilized so the claims process can begin.

• Architectural plans
• Mortgage information
• Insurance policies
• Drivers License
• Passports
• Birth certificates
• Social Security cards
• Financial documents

• • Knowing how to allocate the damages in the proper coverage category will maximize the settlement and streamline the claims process.

• Ex.. Surface water penetrates your building is covered by flood insurance. Water that enters as a result of damage to the roof is covered under property insurance.

• The aftermath of a disaster opens up unfortunate opportunities for bad actors to loot and vandalize their own community. The resulting damages represent another area of coverage that will need to be categorized as a separate claim.

• Determine whether it is feasible to resume operations at the loss location
• Re-establish power and network connections if possible
• Locate and secure a temporary location if needed
• Expedite any replacement equipment and inventory
• Utilize the extra expense provision of the business interruption coverage to accomplish the items outlined above.