Palmetto State News

Hurricane Idalia struck Florida's Big Bend on August 30, causing damage across south Georgia and the Carolinas. In the aftermath, individuals and businesses face challenges in addressing insurance claims related to the storm's impact.

Initial steps after a disaster include contacting your insurance company. Important questions to ask are: "What types of damage are covered?", "How long will it take to process my claim?", and "Will I need to obtain estimates for repairs?"

Temporary repairs should be made to prevent further damage, but permanent repairs should wait until an adjuster assesses the damages. Receipts for temporary repair expenses should be saved.

Preparing for an adjuster's visit involves compiling detailed information about damaged property, including descriptions, purchase dates, and replacement costs. An inventory of damaged items should be prepared with supporting receipts where possible. Damaged items should not be discarded before assessment by the adjuster; photographing or videotaping damage is advisable if records are unavailable.

Structural damages should be identified, including issues like wall cracks or missing roof tiles. Electrical systems should also be checked as many insurers cover these inspections.

Written bids from licensed contractors detailing materials and prices can expedite claim adjustments. Copies of all submitted documents and communications with the insurance company should be retained.

Once claims are settled and repairs begin, it's essential to reassess insurance coverage adequacy with an agent, ensuring replacement cost coverage for all assets is in place.