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:
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 to protect your property from worsening issues. For example:
Save all receipts for materials and labor. Insurers often reimburse these costs when you file an insurance claim.
Contact your insurer as soon as possible to start the claims process. Provide them with:
Many insurance companies offer online tools to streamline storm damage claims in NC.
Understand your policy’s terms. Key points to check:
Knowing what your policy includes helps set realistic expectations for reimbursement.
Once you’ve filed, an insurance adjuster will visit your property to assess the damage. Be prepared to:
If you believe the adjuster undervalued your claim, you can:
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.
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.
Downed power lines and power surges during storms can damage appliances or wiring. Report this as part of your claim.
When filing your claim, include:
Organize a folder with:
File your claim promptly, as most policies have specific time frames for reporting storm damage claims in NC.
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.
Hire licensed contractors for permanent repairs. This ensures the work meets quality standards and satisfies your insurer’s requirements. Avoid scams by verifying credentials.
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.
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.