What should I do now?

So your Florida home or business has been damaged in a hurricane, flood, or other catastrophic event. Now what?

First, make sure that you, your family, and your belongings are as secure as you can make them. These are your most important assets so do this before you do anything else. Next, make sure to contact a qualified public insurance adjuster like those from Gables Insurance Recovery for assistance.

Here are some tips for filing insurance claims for damages after you’ve discussed your situation with an insurance adjuster:

Create a list of damaged items. Make sure to take pictures or video as well as a description. This is a time consuming process and a public insurance adjuster like those from Gables Insurance Recovery can help you.
Find temporary accommodations and make sure to forward your mail to the new location, and your phone number to your new phone.
Remove all valuables from your property if the property is not secure.
Read over your policy and ask your public insurance adjuster questions.
Contact your insurance agent as soon as possible. Most insurance policies have a timetable for you to start the claim process once the event finishes.
Negotiate the best settlement for you.
Keep you in the loop during the claims process.

As you pursue your claim, make sure to follow these steps:
Document all of the expenses incurred during this process. Keep all receipts and, if you can, log information about individual expenses. As time passes you might forget why a particular expense was incurred and a log is a great tool to help “tickle” your memory.
Log all your phone conversations, emails, and mail. You can keep this information with your expense log.
Notify your mortgage lender (if any) and your insurance provider if you plan to rebuild. There is usually a time limit for this.

Keep in mind that you are going to have to prove your loss; that will require experts to assess the situation. Know that any proposal from your insurance provider should always be in writing, and do not accept any proposal made verbally.