Hurricane Francine produced flood and wind damage to numerous homes. Insurance Commissioner Tim Temple says if you sustained damage, homeowners should…
“Make sure the local authorities have cleared it and deemed it safe to return. If you are already at home, you’ve sheltered at home, be careful as you go out in your yard and inspect for damage,” Temple advised.
Temple says take photographs of the damage and keep the receipts for emergency repairs, which can expedite claim approval.
“Document, document, document. Take lots of photos. And as soon as you get all of that done, make sure to reach out and contact your insurance agent or insurance company and get your claim filed as soon as possible,” Temple said.
Temple emphasizes the importance of homeowners being prepared to file insurance claims promptly. He urged residents to review their policies and document damages as soon as possible to ensure a smoother claims process. Temple notes that being “insurance-ready” is critical in the wake of such disasters.
“Read the entire policy. Understand what’s covered, what’s not covered. Understand what your named storm deductible is. And not just the percentage, as it relates to your coverage, but what does that mean dollarwise to you,” Temple explained.