After a storm hits, filing storm insurance claims in New Bern can feel overwhelming. From assessing storm damage to managing the New Bern insurance claims process, knowing what steps to take ensures a smooth recovery. Here’s a guide to help with storm damage claims in NC and practical insurance claim tips after a storm.
Assess the Damage
Inspect Your Property
Begin by evaluating the damages to your home, but ensure it’s safe first. Watch for hazards like downed power lines or unstable structures. Focus on:
- Structural damage to the roof, walls, and foundation.
- Water damage in basements, attics, and walls.
- Broken windows, damaged siding, or missing shingles.
Take clear photos and videos of all damaged property as evidence. These visuals are crucial for the New Bern insurance claims process.
Make Temporary Repairs
Prevent Further Damage
Make temporary repairs to protect your property from worsening issues. For example:
- Cover roof holes with tarps.
- Board up shattered windows.
- Clear standing water to prevent mold growth.
Save all receipts for materials and labor. Insurers often reimburse these costs when you file an insurance claim.
Filing Storm Insurance Claims in New Bern
Notify Your Insurance Company
Contact your insurer as soon as possible to start the claims process. Provide them with:
- Your policy number.
- A detailed description of the storm damage.
- Photographs and videos of the damaged property.
Many insurance companies offer online tools to streamline storm damage claims in NC.
Review Your Policy Coverage
Understand your policy’s terms. Key points to check:
- Does your coverage include hurricane damage or wind-related storm surges?
- Is flood damage covered, or do you need to file a separate claim under your flood insurance policy?
- Are you eligible for additional living expenses if your home is uninhabitable?
Knowing what your policy includes helps set realistic expectations for reimbursement.
Work with an Insurance Adjuster
What to Expect
Once you’ve filed, an insurance adjuster will visit your property to assess the damage. Be prepared to:
- Walk them through the affected areas.
- Provide any additional documentation, like contractor estimates.
- Clarify any temporary repairs you’ve made.
Disputing the Adjuster’s Decision
If you believe the adjuster undervalued your claim, you can:
- Request a second inspection.
- Submit additional estimates for repairs.
- Seek advice from a law firm experienced in insurance law to ensure fair treatment.
Common Storm Damage in New Bern
Hurricane Damage
Hurricane damage often includes wind-driven rain, broken windows, and roof loss. This type of damage is typically covered under standard policies but may involve a higher hurricane deductible.
Flood Damage
Storm surges and heavy rains frequently cause flood damage in New Bern. Since standard policies don’t cover flooding, you’ll need separate flood insurance to address these repairs.
Power Surges and Electrical Damage
Downed power lines and power surges during storms can damage appliances or wiring. Report this as part of your claim.
Insurance Claim Tips After a Storm
Be Thorough
When filing your claim, include:
- A detailed inventory of all damaged items.
- Descriptions of repairs needed for structural damage.
- Receipts for temporary fixes.
Keep All Documentation
Organize a folder with:
- Photos of the damaged property.
- Communication with your insurer.
- Estimates from contractors.
Avoid Delays
File your claim promptly, as most policies have specific time frames for reporting storm damage claims in NC.
How to Manage Costs
Prepare for Additional Living Expenses
If your home is uninhabitable, your insurer may cover additional living expenses like hotel stays, meals, or storage for your belongings. Check with your insurer for details.
Choose Reputable Contractors
Hire licensed contractors for permanent repairs. This ensures the work meets quality standards and satisfies your insurer’s requirements. Avoid scams by verifying credentials.
New Bern Post-Storm Insurance Guidance
After a storm, following the right steps ensures your claim is processed efficiently. By documenting damage, making temporary repairs, and working with your insurer, you can recover more quickly.
At Harbor Insurance, we specialize in providing New Bern post-storm insurance guidance. Whether it’s navigating the New Bern insurance claims process or understanding your coverage, we’re here to help.
Contact Us
Need help with your claim? Contact Harbor Insurance today for personalized advice on filing storm insurance claims in New Bern. From flood damage to hurricane damage, we’ll guide you through the process.