Homeowners Insurance Claim Inspections After Hurricanes

Posted on December 16, 2022

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Long Nguyen | author

After a hurricane, homeowners want a speedy resolution to their claims so they can begin repairs. And, with some basic preparation, you can help speed up the insurance claim inspection process.

Preparing for Your Homeowner’s Insurance Claim Inspection

Once you’ve reported your hurricane damage to your insurance company, an insurance adjuster will be assigned to your claim. The insurance company may also hire an independent contractor to inspect the damage.

You’ll generally be given a few days’ notice before the inspection appointment. During this time, it’s important to take measures to protect your property from further damage and document the existing damage.

To prepare for the inspection, take the following steps:

  1. Make temporary repairs to prevent any further damage to your home, but do not make permanent repairs until you have approval from your insurance company.
  2. Document the hurricane damage by taking photos or videos of the damage.
  3. Gather any receipts, canceled checks, or other documentation related to repairing or replacing damaged items.
  4. Make a list of all damaged personal belongings, including furniture, clothing, and electronics. If possible, include the date of purchase and the estimated value of each item.
  5. If you have to leave your home due to damage, keep a record of any additional living expenses, such as hotel bills and restaurant receipts.

What to Expect During the Hurricane Damage Inspection

The insurance company’s goal is to determine the extent of the damage and the cost of repairs. The insurance adjuster or contractor will:

  1. Meet with you to discuss the damage to your home.
  2. Inspect the exterior of your home, focusing on the roof, siding, and windows.
  3. Inspect the interior of your home, including the walls, ceilings, floors, doors, and windows.
  4. Take photos or videos of the damage to document their findings.
  5. Ask you questions about the damage, such as when it occurred and how much it will cost to repair.
  6. Request receipts, canceled checks, or other documentation related to repairing or replacing damaged items.
  7. Review your insurance policy to determine what is covered under your policy.

Your Rights and Responsibilities During the Inspection

It’s important to know your rights as a homeowner during the insurance claim inspection process:

  1. Be present during the entire inspection.
  2. Ask questions about the inspection process.
  3. Request a copy of the insurance adjuster’s report.
  4. Appeal the insurance company’s decision if you disagree with their findings.

What to Do If Your Claim is Denied

If your insurance claim is denied, you have the right to appeal the decision. To appeal the decision, you’ll need to submit a written request to your insurance company. Include information about why you believe the decision is incorrect and provide supporting documentation, such as receipts, canceled checks, or photos.

However, it is important that you don’t take this task on by yourself. If your homeowner’s insurance claim has been denied, it’s time you consult with an experienced hurricane insurance claim lawyer.

Fighting Back Against Stalled Homeowner’s Insurance Claims

Insurance companies will look for any excuse to deny or stall paying out on a hurricane claim. After all, that’s their job. But if your claim has been denied or delayed, you have options.

One option is to hire a hurricane insurance claim lawyer. A hurricane insurance claim lawyer can help you navigate the appeals process and ensure that you get the compensation you deserve.

If your home was damaged by a hurricane, don’t wait to take action. At Insurance Claim HQ, our team of experienced hurricane insurance claim lawyers can help you get the compensation you deserve. Contact us at 844-587-8395 or send us a message today for a free consultation.

FAQs About Home Insurance Inspections

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Can I refuse a home inspection from the insurance company?

No, you cannot refuse an inspection. The insurance company has the right to inspect your home to determine the extent of the damage and the cost of repairs.

What happens if I’m not home for the inspection?

If you’re not home for the inspection, the insurance company will reschedule the inspection for another time.

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