After Hurricane Harvey made landfall this week, there are lots of people in Texas and the surrounding states with damage to their homes and property. For most people, their house is a significant part of their overall net worth. In light of these events, I asked Mike Sheehan, a licensed public adjuster, to write a guest post about some things people should consider if they have storm/hurricane damage.
From Mike Sheehan:
It is not uncommon to begin the flood clean up before the NFIP (National Flood Insurance Program) inspector visits the property. Our first task is to record the flood level and other important information. Once this is properly documented clean up can begin.
Proceeding with cleanup before this critical information is documented will negatively impact your flood claim.
Personal property must be properly documented to protect your rights to indemnification. Metro’s systemic and scientific approach to documenting our clients loss ensures they are protected to the full extent of their coverage.
NFIP also requires a proof of loss be filed by their deadline. As with any government program getting the paperwork right is critical. We’ve worked with these forms and understand the in’s and out’s of filing for success and timely settelment of your claim.
Flood claims and property damage claims are not always exclusive of each other. In certain circumstances Metro is able to help our clients seek additional indemnification under the homeowners portion of their insurance.
So, if you know of someone who has been affected by the hurricane, feel free to share this info with them. Remember, the insurance company wants to keep as much of it’s money as possible. You may look into hiring a public adjuster to fight for your rights under your insurance contract to get the most money possible. If you have further questions, please reach out to Mike Sheehan at CYAMike.firstname.lastname@example.org