Although much of the island of Puerto Rico was spared a direct hit from recent earthquakes, the impact from the 6.6 magnitude, was felt almost everywhere. As a result, the entire Island lost electricity and many are still without. The southern area of the Island has experienced significant damage to their homes and properties. One person lost their life and hundreds are sleeping outside. As everyone is bracing for replica earthquakes, the recovery must begin across the southern part of the Island. Homeowners, business and commercial property owners will be submitting insurance claims to cover damages from the earthquakes. The exact period of damage or technical incidents when it involves a series of storms or earthquakes, can be purposefully made to be confusing and overwhelming by the Insurance companies. Don’t let this cost you or delay your recovery.
Follow these tips for filing an effective earthquake damage insurance claim to help get the insurance settlement you deserve for the damage to your home or business.
First, we understand the trauma associated with devastating storms and earthquakes. If you feel anxious, and need help filing your claim, or if you’re having trouble dealing with the insurance company, the Public Adjusting Team of Global Claim Advisors can help! We have decades of experience negotiating with insurance companies and helping our clients obtain the compensation they deserve for their claims.
Call Global Claim Advisors, Toll Free at 800-316-0841, in Puerto Rico Office: (787) 952-1030.
5 Steps to Take After a Hurricane
Once it is safe to return to your home, you should begin gathering the information necessary to support your insurance claim.
- Take Note of Damaged Property
Inventory your home, making note of the personal property that was damaged as well as damages to the home.
Take photos and video of the damage to support your claim. You should have also taken photos of your property during your preparations before the storm. These will be important to show the extent of the damage compared to before the storm.
If you have receipts of high-value items, include copies with your claim to accurately assign a value to the item.
- Contact Your Insurance Company as Soon as Possible
File your claim as soon as possible. Insurers typically begin to process claims as they are received – with the massive volume of claims expected after a hurricane, you could be waiting quite a while for your claim to be processed if you wait to submit it.
Contact your insurer and follow its procedures for filing a damage claim. Inform your insurer that you have compiled a list of damages and let them know if you were forced to relocate. An adjuster will be assigned to assess your property for damages to determine the amount of your settlement.
At this time, you should also take a moment to review the details of your insurance policy to ensure you know what is an is not covered. Most flooding damage is not covered by a traditional homeowner’s insurance policies, while damage from wind or fallen trees should be.
It is also important that you review the “Duties After Loss” portion of your policy. If you fail to properly follow these instructions, you may ruin your chances of recovering compensation.
- Limit Cleaning and Repairs
While you may want to get to work restoring your property right away, do not make changes until an insurance adjuster has assessed your home.
If temporary repairs are necessary, photograph the area thoroughly before making the repair. Make temporary fixes rather than extensive repairs. You also should not dispose of any damaged materials until cleared to do so by your insurance adjuster.
This is important because if you clean up messes left by hurricane damage and make repairs, the adjuster will not see firsthand the damage caused by the storm – this could lower the insurer’s settlement offer.
- Contact Contractors
Contact area contractors to obtain quotes to repair the damage to your home or property. Following a hurricane, contractors are in high demand – waiting to call can add months to your wait before your home can be repaired.
You should obtain estimates before your insurance adjuster assesses your home to give yourself a better idea of the costs associated with repairs. You will want to know the full cost of repairing your home before accepting any offers from the insurance company.
- Keep Records
Keep a record of all communication with your insurer. Record when you made phone calls, what responses you received, as well as all email and mail communication.
Insurers must complete specific tasks within a designated timeframe after receiving a hurricane damage claim – know what their process is and when you should expect answers or further communication and be diligent about following up with the insurance company.
Contact Our Public Adjusters in Puerto Rico and the Florida Panhandle, Right Away
Get the compensation you deserve for earthquake damages to your home. GCA Public Adjusters are highly qualified and experienced to negotiate a fair settlement from your insurer. If necessary, we are prepared to work with an attorney to take your case to trial and to help secure maximized compensation.
Schedule a free, no-obligation case consultation with our team today. Our cases are accepted on a contingency basis. So you only pay a modest fee, if we are successful in securing compensation for you!
CALL US FOR A FREE CONSULTATION TODAY!
GLOBAL CLAIM ADVISORS
Toll Free: 800-316-0841
Puerto Rico Office: (787) 952-1030