Damage to your property caused by a storm or hurricane can leave your life suddenly upended. Being left to pick up the pieces can be overwhelming, stressful, and scary, 尤其是当你正在处理个人物品丢失的问题，并试图找到一个保险箱的时候, temporary live-in area for you and your family.
At The Chopin Law Firm, 我们的飓风损害保险理赔律师致力于帮助我们的邻居和当地社区成员从最近飓风季节留下的破坏中恢复过来.
With that said, 我们在这里为您提供您需要的信息，通过您的保险政策成功获得损失赔偿，这样您就可以专注于重建家园和生活.
ASSESS THE DAMAGE TO YOUR PROPERTY
一旦安全，你就可以回到你的房子里或到外面去, 你应该开始评估房屋外部的损失. 照片和视频证据是关键时，显示什么损害是存在和索赔这些损害在你的保险索赔. If possible, 试着好好看看屋顶，看看是否有什么东西会对你的家造成内部伤害.
Common Types of Property Damage Caused by Hurricanes:
- 破坏屋顶:飓风会对屋顶造成严重破坏, including torn shingles, sheathing, or complete roof removal, regardless of the structure’s age or condition.
- 室内破坏:强烈的风暴会导致门窗被撕裂或破碎, leading to water, wind, and rain damage to the property’s interior, including furniture, electronics, and important documents.
- 结构和基础裂缝:强烈的阵风会导致房屋移动, resulting in cracks in the structure or foundation, 使财产不安全，不适合居住，直到维修完成.
- Equipment Ruin: Heating and air conditioning units, pool equipment, appliances, and generators often suffer damage during hurricanes, 被水损坏的设备需要完全更换.
- 公用事业中断:飓风会给电力线路等重要基础设施造成严重不便, internet connections, water systems, and power grids are frequently damaged, leading to lengthy repair periods.
无论损坏的程度或可见性如何，您都应该记录一切! The more photos and videos you take, the better. 不要扔掉任何东西，即使它看起来无法修复. 如果你认为有损坏，是无法捕捉到的相机或录像机, 通过详细记录你注意到的周围事物来记录下来.
CONTACT YOUR HOMEOWNER’S INSURANCE COMPANY
大多数保险公司要求你及时报告任何损失或损害. As soon as the imminent danger passes, 你会想要联系你的房主的保险公司开始索赔过程.
Every insurance policy is unique, 对于与飓风有关的财产损失，你可以使用不同类型的保险. Keep in mind, however, 你与之交谈的保险理算员并不站在你这边，最终是盈利业务的一部分.
While this person may seem friendly, 你对他们说的任何话都可能被用来否认你的指控. 有时，即使你在你的要求中措辞的方式也会导致否认. For instance, 你的房主的保险政策可能包括暴风雨造成的损失，但不包括洪水造成的损失. If you inadvertently, however, use the term “flooding” instead of “storm,” the insurance carrier may attempt to deny your claim.
CREATE A DOCUMENTATION FILE
许多证明你需要成功地获得报销你的 property damage can be lost if you don’t act fast. 虽然保险公司可能需要几个月的时间来处理你的文书工作, 在此过程完成之前，属性的状况可能会发生变化, so you want to be sure you have evidence that is fresh.
It’s a good idea to create a documentation folder, either a physical or electronic one, 你可以用它来储存你所有的文件和证据. If you choose to keep a physical file, 确保你把所有的文件放在一个一加仑大小的自封袋里，以防止水损坏.
For those using an electronic form of documentation, you can try a free home inventory app that is downloadable on most smartphones; here are a few to check out:
- Binary Formations
- HomeManage
- BluePlum Home Inventory
- Nest Egg Inventory
- Sortly
- BluePlum Home Inventory
如果你的房子有任何维修或生活费用是你自付的, make sure to keep these in the file.
SPEAK WITH A PROPERTY DAMAGE INSURANCE CLAIMS ATTORNEY
Ultimately, 你最好和你所在地区有经验的财产损失保险索赔律师谈谈，他有与保险公司就飓风造成的损害进行谈判的经验. At The Chopin Law Firm, 我们理解您的财产受损会给您带来经济上和情感上的双重打击.
Our legal team 致力于帮助您和365bet平台及周边地区的所有业主获得他们在重大自然灾害后重建家园所需的补偿.
保护您的重要文件:保护您的恢复需求
As you prepare for the potential impact of a hurricane, 对启动恢复过程至关重要的关键文档的保护进行优先排序是至关重要的. 现在就采取积极措施，确保这些重要记录得到保护. To assist you in this endeavor, FEMA recommends downloading the comprehensive guide, “Be Smart, Protect Your Critical Documents and Valuables,” which provides a helpful checklist. 将重要文件存放在安全耐用的防火防水盒中, offering added peace of mind. 如果你用电子方式存储文件，记得在同一个保险箱里保留一个备份驱动器. By having your legal, financial, 一旦紧急危险过去，医疗文件随时可用, 您将更好地获得必要的援助，并有效地与您的保险公司合作.
Contact The Chopin Law Firm at (504) 475-2429 to schedule a free consultation and policy review with our legal team.
