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Tasha Carter
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Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0308
For Consumer Assistance:
Contact the Division of
Consumer Services within the
Department of Financial Services
Online at
Consumer Services
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1-877-MY-FL-CFO
(1-877-693-5236)
Out of State
(850) 413-3089
Español
(850) 413-3033
Public Records Requests
Mailing: 200 East Gaines St.
Tallahassee, FL 32399-0308
For Consumer Assistance:
Contact the Division of
Consumer Services within the
Department of Financial Services
Online at
Consumer Services
Toll-free in Florida
1-877-MY-FL-CFO
(1-877-693-5236)
Out of State
(850) 413-3089
Español
(850) 413-3033
Public Records Requests
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.
