The insurance claims process can be a daunting task. Having been affected by storm damage you are already emotional and stressed to the max and wondering what steps do I take now to get the process in motion to recover after a storm.
Basically, you have three options that you can choose from and we will outline all three, so you can decide the best approach for you.
The first option is Do-It-Yourself. This approach you are relying on your insurance company to guide you through the process. Don't be surprised if you spend hours on hold waiting for some clarification as you get buried in paperwork. Once you have finalized your paperwork, and hopefully correctly, as they can deny your claim for incomplete or inaccurate paperwork, they will then make an appointment with you to send an insurance claims adjuster to assess your damages.
Here is where it gets interesting, so I hope I have your attention. Many inexperienced insurance adjusters are brought in from out of town after a named storm and many are not knowledgeable about Florida's codes, so in turn, roofs are installed that are not up to code, not to mention insurance offers that are less than adequate to restore roofs to the required code. Also, it is not the insurance adjusters responsibility to scrutinize for all your losses, this is YOUR responsibility, to point out or list your losses and bring to their attention.
Furthermore, although they may be friendly and pleasant, they work for the insurance company, not you. There job is to limit the amount of claim submitted to the insurance company, after all they are a for profit company, and their employees have their interests at heart, not yours.