Hurricanes are arguably nature’s reset button. When they strike, they can change landscapes and lives in mere hours.
It is common for homeowners to feel overwhelmed by the damage of such disasters to their homes and properties. Still, taking pictures after the storm passes is not just helpful but crucial in pursuing insurance claims.
Why effective documentation matters
In Florida, where hurricanes are a frequent occurrence, taking pictures after a hurricane is vital for many reasons, including:
- Proof of damage: Photographs can visually show the hurricane’s damage, helping establish how severe the destruction was.
- Supports insurance claim: Pictures can support your claim and can help expedite the process when insurance companies ask for documentation of damage.
- Helps establish cause of damage: If your insurer questions the cause of the damage, photographs can help your case.
- Assists in estimating repairs: Proper estimation of the repair costs can ensure you receive a fair settlement from your insurer.
- Legal protection: Photos can serve as evidence if disputes arise.
Homeowners typically have one year from the hurricane’s date of landfall to file a claim. The law requires insurance companies to acknowledge and respond within a certain time.
In compliance with the state’s “Homeowner Claims Bill of Rights,” they must also provide reasons behind the decision in case of claim denial. If you have sent your insurer photos of the damage and they are not responding, you may have to pursue legal action.
Show the story of your loss when words fall short
Even with many photos, insurance companies may still dispute your claim to avoid large payouts. So, when taking pictures, use a camera or a smartphone that can timestamp the images. Include close-ups of specific damage, such as broken windows or torn roofing, but make sure to capture the overall damage.
Once done, label them accordingly and store them digitally and physically. This way, you can strengthen your claim and get the compensation you need to rebuild your home.