SEQ Storm Season Insurance Claim - Steps to Take After Your Home is Damaged in a Storm
Natural disasters strike frequently in Southeast Queensland from flooding, hailstorms, tornadoes, torrential rains and electrical storms inflicting significant damage on our homes. If unfortunately, your home is damaged during a storm you may wonder what the next steps are in making an insurance claim and rebuilding your home.
1. Assess the Damage:
After a storm has passed and it's safe to venture outside, conduct a thorough inspection of your property to assess the extent of the damage. Document all visible damage to your home and take photographs or videos as evidence to support your insurance claim. It's essential to document the damage as soon as possible to expedite the insurance claim process.
2. Review Your Insurance Policy:
Before filing a claim, carefully review your insurance policy to understand what types of storm damage are covered and the extent of your coverage limits. Most standard homeowners' insurance policies cover damage caused by windstorms, hail, lightning, and falling objects. However, coverage may vary depending on your policy and location. Pay attention to any deductibles, exclusions, and limitations outlined in your policy documents.
3. Contact Your Insurance Company:
Once you've assessed the damage and reviewed your policy, contact your insurance company to initiate the claims process. Be prepared to provide detailed information about the damage, including the date and time of the storm, a description of the damage, and your policy number. Your insurance company will likely assign a claims adjuster to inspect your property and assess the extent of the damage firsthand.
4. Mitigate Further Damage:
In the meantime, take steps to mitigate further damage to your home to prevent additional losses. Cover broken windows with temporary tarps, tarp damaged roofs to prevent water intrusion, and remove debris to ensure the safety of your property. Keep receipts for any temporary repairs or expenses incurred to protect your home, as these may be reimbursed by your insurance company.
5. Cooperate with the Claims Process:
Throughout the claims process, cooperate fully with your insurance company and provide any requested documentation or information promptly. Keep detailed records of all communication with your insurer, including the names of representatives you speak with and the dates of conversations. Be prepared to meet with the claims adjuster and provide access to your property for inspection.
6. Obtain Repair Estimates:
Obtain repair estimates from reputable contractors or restoration companies to assess the cost of repairing the storm damage to your home. Be sure to obtain multiple estimates and compare prices to ensure you're getting a fair assessment of the repair costs. Provide these estimates to your insurance company as part of your claim documentation.
7. Review Settlement Offer:
Once the claims adjuster has completed their assessment, your insurance company will provide a settlement offer outlining the coverage for the storm damage. Review the settlement offer carefully to ensure it accurately reflects the extent of the damage and covers the necessary repairs. If you disagree with the settlement offer, you have the right to negotiate with your insurance company or seek assistance from an external party.
8. Complete Repairs:
Upon reaching a settlement agreement with your insurance company, proceed with the repairs to your home using the funds provided. Hire licensed contractors or restoration professionals to perform the necessary repairs according to local building codes and regulations. Keep records of all repair receipts and invoices for reimbursement by your insurance company.
