Best Practices for Homeowners Filing Hurricane Damage Claims

A Guide to Navigating the Claims Process After a Hurricane

Hurricanes leave behind more than just property damage—they disrupt lives. At Lozano, we’ve seen how stressful the claims process can feel in the aftermath of a storm. The good news is that taking a few clear, practical steps can help you avoid delays, maximize your coverage, and expedite your recovery.

1. Ensure Safety First

Before you do anything, make sure that your property is safe to enter. Look out for hazards such as downed power lines, flooding, or structural instability. Prioritize your safety and the safety of your family.

2. Document the Damage Thoroughly

• Take clear, detailed photographs and videos of all damage, both exterior and interior.
• Make a list of damaged items and describe the extent of the damage for each one.
• If possible, locate receipts, warranties, or appraisals for valuable items to support your claim.

Accurate documentation will serve as crucial evidence when working with your insurance adjuster and can help prevent disputes. The more detailed your documentation, the smoother the process will be when your adjuster inspects your property.

3. Notify Your Insurance Company Promptly

Contact your insurer as soon as possible to inform them of the hurricane damage. Provide them with your policy number, a summary of the damage, and your contact information. Delaying notification could slow down the claim process or impact your eligibility for coverage.

4. Review Your Insurance Policy

• Understand what is—and isn’t—covered under your policy, including deductibles and limits.
• Pay attention to exclusions related to flooding, wind, or other specific hurricane-related damages.
• Be aware of any endorsement or additional riders you may have for hurricane protection.

Knowing your coverage helps you set realistic expectations and prepares you for discussions with your adjuster.

5. Prevent Further Damage

If it is safe to do so, take reasonable steps to prevent additional damage to your property, such as tarping your roof or boarding up broken windows. Keep all receipts for any materials or services purchased for temporary repairs, as these may be reimbursed.

6. Communicate Clearly and Often

• Maintain a record of all conversations with your insurer, including dates, times, and names of representatives.
• Submit requested documentation promptly and keep copies of everything you send.
• If you have questions, don’t hesitate to ask for clarification.

Clear communication ensures that your claim moves forward smoothly and reduces misunderstandings.

7. Work with Professionals and Beware of Scams

Unfortunately, disaster situations can attract unscrupulous contractors or scammers. Always verify credentials and check references before hiring anyone for repairs or assistance with your claim. As licensed adjusters, we’ve seen how quickly bad actors appear after disasters. Protect yourself by only working with vetted, credentialed professionals.

8. Stay Organized

Create a dedicated folder for all claim-related documents, including your policy, photos, receipts, correspondence, and forms. Keeping everything in one place will help you stay on top of deadlines and requirements.

9. Follow Up Regularly

Insurance claims can take time to process, especially after a widespread disaster. Be proactive in following up with your insurer to check on the status of your claim and ask about next steps.

Conclusion

Filing a hurricane damage claim doesn’t have to be overwhelming. By staying organized, documenting thoroughly, and working closely with your insurer, you can help ensure a smooth process. At Lozano, our licensed adjusters uphold the highest standards of professionalism—helping carriers serve policyholders fairly, especially when they need it most.