At the Law Offices of Finizio & Finizio P.A., we protect the rights of our clients with integrity and professionalism. We offer combined experience of over 50 years of practice, especially in devastating times such as these. Contant us as soon as possible, Finizio & Finizio can help you with your claim.
Here are some tips compiled from the Consumer Federation and other consumer groups:
1. Report your claim as soon as possible as insurance companies generally handle them first come, first served. This is particularly important in Hurricane Irma because claims adjusters are already swamped with claims from Hurricane Harvey. Be patient, but persistent.
2. After you file the claim, be sure to write down your claim number and keep it handy for easy reference. This will help the insurance claims department find your case more easily in subsequent phone calls and emails. Take notes documenting every contact with your insurer, noting the person with whom you spoke.
3. Keep receipts for any expenses related to immediate repairs you had to make to secure your home as well as any living expenses (hotel, evacuation costs, meals) if you could not return to your home in the wake of the storm. In wind claims you should get reimbursed for such additional living expenses. If your claim is limited to flood insurance, additional living expenses are not covered.
4. When the insurance company sends out an adjuster, ask if he/she is an employee of the insurance company or an independent adjuster. If an independent adjuster, ask if they are authorized to make claim decisions and payments on behalf of your insurance company and ask for the name of the in-house company adjuster to whom the adjuster will be sending your information.
5. Disaster assistance is available from the Federal Emergency Management Agency. Individuals can register online at www.DisasterAssistance.gov or through the FEMA App.
Applicants will need to supply their Social Security number; daytime telephone number; current mailing address and address and zip code of the damaged property; and private insurance information. Once registered, you will be given a registration number. Keep that handy.
6. If you don’t have flood insurance, call your home insurer anyway. Some homeowner policies that exclude damage related to flooding may cover damage from water and wind damage.
7. Damage to your car from downed trees and flooding should be covered by the comprehensive portion of your auto insurance.
8. Floridians or others who traveled during Hurricane Irma or had to cut their trips short to deal with storm damage should reach out to their travel insurance provider if they bought a policy for their trip.
9. Be wary of strangers who come to your door claiming to be insurance adjusters or contractors and beware of robocalls asking for insurance payments or personal information. If you suspect fraud, call the Florida Department of Financial Services, Division of Consumer Services Insurance Consumer Helpline at 877-693-5236
10. If you have no insurance, check nonprofit groups and DisasterAssistance.gov (run by the Federal Emergency Management Agency) to see if you qualify for aid.
Tips By Michelle Kaufman (Miami Herald)