Planning is the first step to being ready for a disaster.
Take time now to review your insurance policy and other applicable insurance resources. Research to learn more about the insurance professionals involved in the claims process, your hurricane deductible and your rights.
Review Your Insurance Policies
Review your homeowners’, renters’, automobile and other insurance
policies to ensure that you understand your coverage, including if food spoilage is covered. If you have questions about your coverage, contact your insurance agent.
The Department of Financial Services’ Division of Consumer Services’ Consumer Guides Library includes insurance toolkits on each type of insurance:
Be sure you know how much you will be responsible for if you incur
damage from a hurricane. This is called your hurricane deductible. Most
policies have a hurricane deductible of 2 to 5 percent of a home's
insured value; some are a set amount such as $2,000. Contact your
insurance agent to discuss your hurricane deductible and determine if
you are eligible for a lower deductible.
Know the Difference Between a Public
Adjuster and a Company Adjuster
Following a disaster, a Public Adjuster
may contact you to help with filing an insurance claim and represent
your insurance interests to your insurance company.
work directly for you and charge a fee based on the percentage of the
They will require you to sign a contract. Ensure the
contract includes all of the required information.
work for the insurance company and determine the amount of property
damage and what is covered by your policy.
Company Adjusters do not
charge a fee.
Both Company Adjusters and Public Adjusters must be licensed by
the state and should be able to present a copy of their license.
have questions regarding an adjuster’s license or the contract, contact
the Department’s Insurance Consumer Helpline at 1.877.693.5236.
Learn About an Assignment of Benefits (AOB)
An Assignment of Benefits (AOB) is a legal contract that allows you as the policyholder to transfer your insurance rights to a third-party, such as a contractor. The third-party then has rights to the insurance claim and can stand in your shoes as the policyholder.
The third-party can:
be paid directly for services
endorse checks on your behalf
communicate directly with the insurance company without your consent or involvement