Insurance after a Disaster
Immediately call your agent or insurance company. Have the following information with you when you place your call: the name of your insurance company, your policy number, and a telephone number or e-mail address where you can be reached. When you file your claim, ask for an approximate time frame during which an adjuster can be expected to visit your home so you can plan accordingly.
Once you have reported your loss, an adjuster will work with you to calculate the value of the damage and prepare a repair estimate. Keep your agent advised if your contact information changes. If you are still in a shelter or cannot be easily reached, please provide the name of a designated relative or point-of-contact person who can reach you.
Make a list of damaged or lost items and include their age and value when possible. If possible, have receipts for all items available for the adjuster. If you have damage estimates prepared by a contractor, provide them to your adjuster since they will be considered in the preparation of your repair estimate.
Contact your insurance company if an adjuster has not been assigned to you within several days. Remember, FEMA will not duplicate insurance reimbursements. It is also recommended when filing a claim for damage to request that an adjuster inspect damages – regardless of whether assistance may be available from other sources.