Your Ultimate Checklist for Filing a Damage Claim After a Major Storm in Florida and Colorado

If your home is damaged in a storm, following a checklist can help ensure a smooth insurance claim process. Here’s a comprehensive guide for Florida and Colorado homeowners.

Step 1 – Assess Damage Safely

Safety comes first. Check for visible damage only if it’s safe to do so, and document it with photos and videos. Avoid moving anything until after documentation, as this evidence is essential for your claim.

Step 2 – Contact Your Insurer

Notify your insurance company promptly. Filing a claim as soon as possible ensures that you meet any deadlines and helps them process your claim faster. Provide them with preliminary details about the damage.

Step 3 – Document Every Detail

Take photos, videos, and notes on all storm-related damage, even if it seems minor. This documentation strengthens your claim and serves as a valuable reference if disputes arise later.

Step 4 – Make Temporary Repairs If Needed

To prevent further damage, make any necessary temporary repairs, like covering broken windows or roof leaks. Keep receipts, as your insurer may reimburse these expenses.

Step 5 – Consider Hiring a Public Adjuster

Public adjusters offer expert assistance, especially for larger claims. They provide thorough documentation, assess hidden damages, and advocate for fair compensation, ensuring you’re not left with out-of-pocket costs.

Step 6 – Follow Up and Review Settlement Offers

Stay involved in the process by following up regularly. Review any settlement offers carefully, and don’t hesitate to negotiate if the payout seems low. A public adjuster can help maximize your claim, ensuring all damages are covered.