Even the Sunshine State can’t escape the wrath of hurricanes. Braving through a storm is hard enough— rebuilding a damaged home can be harder. Filing an insurance claim to get back on your feet doesn’t have to be difficult. Here are some pointers to help navigate the insurance claim process.

Contact your insurance company immediately

This is the most crucial step. While the storm rages and emotions run high, prioritize contacting your insurance provider. Most companies have 24/7 hotlines specifically for hurricane claims. Report the damage, explain the situation and inquire about the claim filing process.

Secure your property and document everything

Once it’s safe to do so, assess the damage. Take detailed photos and videos of the exterior and interior of your house, focusing on damaged areas. Include close-ups of specific elements such as roof breaches, water damage, or broken windows.

Understand your policy and file appropriate documents

Dig out your homeowner’s insurance policy and familiarize yourself with the coverage details. Look for sections on dwelling coverage, personal property coverage and additional living expenses coverage, which can help with temporary housing costs.

Your insurance company will likely guide you through the claim filing process. This typically involves submitting a claim form, along with the photos and documentation you gathered. Be honest and detailed about the damage you sustained.

Cooperate with the adjuster and don’t rush repairs

The insurance company will send an adjuster to inspect the property and assess the damage. Be present during the inspection and answer their questions truthfully. Don’t attempt any major repairs before the adjuster’s visit as it could affect your claim.

While starting repairs immediately can be tempting, hold off on any major renovations unless they’re essential to prevent further damage. Focus on temporary repairs to mitigate further loss and secure the property.

Be aware of your rights

Florida law mandates insurance companies to acknowledge your claim within 14 days and provide a written response within 30 days. If you disagree with the settlement offer, you can negotiate or seek legal counsel specializing in homeowner’s insurance claims.

While this is understandably a stressful time, it is important that you are patient, organized and not afraid to question your insurance coverage. Getting the appropriate counsel can help you navigate the insurance claim process effectively and take a big step towards rebuilding your life after a hurricane.