Making a claim for a hurricane loss

We hope you will never have to deal with our claims department after suffering the misfortune of a hurricane. Of course, it’s a stressful time. That’s why we always aim to make it a simple, hassle-free process. We will do our best to ensure everything goes smoothly, but there are some things you can do to help us, too.

Make sure you read your policy closely. Policies usually pay for temporary repairs to protect your home from further damage and either the actual value or the replacement value of the damaged property.

Flood caused by a hurricane is normally included as part of your hurricane cover. Your policy may also pay for removing building debris so repairs that can be made, but will not pay for clearing landscaping and garden debris.

Make sure to call and tell your agent if you have experienced hurricane damage. Unless instructed by us, please only make the repairs necessary to prevent further damage to your home or business. Make sure you consult with us before making any permanent repairs – don’t worry, we will make sure to waste no time in giving you permission if you need it!

In the event of hurricane damage, an insurance adjuster will visit your property. Before they arrive, it is helpful to prepare a list of all damaged and destroyed property. The list should include:

• a description of each item
• date of purchase
• cost at time of purchase
• present replacement cost.

If you have cancelled cheques or receipts for these items, collect them to show the adjuster.

It’s also a great idea to take photographs or videos of the damaged areas, so we can be better able to give you an accurate and detailed estimate for repairs costs. Please make sure to keep all receipts for all work done on your property.

After making your claim, you may get more than one cheque. The first would be for part payment of your claim, with the second coming once the full repairs costs have been agreed.