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Tasha Carter


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Use This Checklist to Get the Most Out of Your Hurricane Insurance

 

Date: May 20, 2019
Source: Honolulu Magazine
Author:   

 

Hurricane season in Hawai‘i is from June to November. As you prepare for incoming storms, use these pre- and post-storm tips, shared by the Department of Commerce and Consumer Affairs Insurance Division, to make sure you have everything you need to file a claim if your home is hit with hurricane damage.

PRE-STORM

  • Review your policy
  • Have contact information for your agent or insurer handy
  • Take inventory (photos or videos) of your property
  • Secure property to prevent and limit damage
  • Ensure the safety of yourself and family

POST-STORM

  • Once it is safe, check for damage
  • Secure your property to prevent further damage (keep receipts for any materials used)
  • Report your damage to your insurance company or agent (make a claim)
  • If your home or condominium is uninhabitable, ask if your policy covers the cost of temporary/alternative housing
  • Submit proof of loss forms or other claim forms if requested by your insurance company
  • Set damaged items aside for later review/inspection by your adjuster
  • Don’t begin permanent repairs until damage is inspected by your adjuster or told to do so by your insurer
  • Work with your adjuster and contractor to estimate the cost of repairs
  • Receive settlement check and begin repairs
  • There may be supplemental payments issued by your insurance company if additional damage is uncovered in the course of repairs
  • Be careful of scams, do not sign your entire claims check over to a contractor
  • If the damage is extensive and you have a mortgage, your claim check may list you and your lienholder as payees

For more tips on hurricane preparedness, visit cca.hawaii.gov/hurricaneseason. For more consumer resources, visit cca.hawaii.com/ins/resources.