Hurricane Irma, Hurricane Harvey and Your Next Insurance Coverage Claim: How to Navigate the Claims Hurricane Irma, Hurricane Harvey and Your Next Insurance Coverage Claim: How to Navigate the Claims

Hurricane Irma, Hurricane Harvey and Your Next Insurance Coverage Claim: How to Navigate the Claims Process

The recent catastrophic events in Texas and Florida will likely place an unprecedented strain on the insurance industry. This may complicate an already unfamiliar claims process for many of those affected by the storms. To the extent you or your family members are now faced with filing an insurance claim, follow the tips below to effectively navigate the claims-handling process:  
 
  • Locate a complete copy of your insurance policy, not merely a copy of the declarations page.  
  • Report the claim as soon as possible to your insurance company. Record your claim number for easy reference in future communications, and ask when you can expect to be contacted by an adjuster.  
  • Document any losses with pictures and video or by creating a written list if pictures and video are not possible. Avoid discarding any damaged items until receiving approval from your insurance company.
  • Do not enter any agreement (contracts, assignments of benefits, etc.) with any independent contractor or vendor without your insurance company’s prior approval.   
  • Continue to contact your insurance company or the assigned adjuster to ensure timely resolution of your claim. Some insurance companies offer text alerts that will notify you regarding the status of your claim. 
  • Remember, insurance companies are in the business of handling claims, whereas you may have little or no experience with this process. Thus, we recommend that you retain experienced legal counsel before and during the claims process.
For more information about insurance recovery or counseling, contact:
317-236-2160
317-236-5942

This publication is intended for general information purposes only and does not and is not intended to constitute legal advice. The reader must consult with legal counsel to determine how laws or decisions discussed herein apply to the reader's specific circumstances.

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