Navigating Insurance After the Storm
Guest blog from HomeSource Builders
As the immediate aftermath of Hurricane Helene begins to subside in Asheville, many homeowners are now navigating the complexities of filing insurance claims. While the initial weeks were filled with urgent damage assessments and temporary repairs, the real test often comes in working through the insurance process.
We recommend that clients coordinate directly with their insurance company regarding settlement details. While we at HomeSource don’t work with insurance companies, we can provide the necessary documentation and information to assist in the claims process.
Here's what you need to know about working with your insurance company after Hurricane Helene.
Revisit Your Initial Documentation
If you haven't already, go back and thoroughly review the photos, videos, and records you compiled in the days immediately following the hurricane. Make sure this documentation is still well-organized and comprehensive, as insurance adjusters will be relying heavily on this evidence to process your claim.
Communicate Persistently with Your Insurer
By now, your initial claim should be in the works but don't expect a swift resolution. Insurance companies are facing an overwhelming volume of claims, so persistent follow-up is key. Keep detailed records of every conversation, request status updates regularly, and don't hesitate to escalate issues to supervisors if you feel your claim is stalling.
Understanding Public Adjusters
Public adjusters are independent professionals who can help navigate complex insurance claims. They specialize in thoroughly assessing property damage and advocating for policyholders. These licensed experts can provide detailed damage documentation, interpret policy language, and negotiate settlements. Consider a public adjuster if you feel overwhelmed or believe your initial settlement offer seems inadequate.
Advocate for Fair Settlements
As repair estimates start coming in, be prepared to push back if the insurance settlement offers seem unreasonably low. Obtain independent contractor quotes to demonstrate the true cost of rebuilding, and don't be afraid to request a second adjuster inspection or a public claims adjuster if needed. Knowing your policy coverages inside-out will also help you ensure you're getting the full compensation you're entitled to.
Beware of Storm Chasers
Unfortunately, the weeks and months after a major storm often bring an influx of unscrupulous contractors looking to take advantage of vulnerable homeowners. Be extremely cautious about unsolicited offers, and verify the licensing, insurance, and references of any contractor before hiring them. Rushing into a deal could lead to shoddy work or inflated prices.
Lean on Your Community
As you navigate this complex process, don't try to go it alone. Reach out to neighbors, local nonprofits, and trusted contractors who understand the unique challenges of storm recovery in Western North Carolina. Their moral support and practical guidance can make all the difference in keeping you motivated and on track. Visit bablueridge.com/rebuild-and-restore for more resources on rebuilding, including where to find trusted builders and contractors.
Next Steps and Support
Navigating insurance claims after storm damage can feel overwhelming, and our hearts go out to everyone in our Western North Carolina community affected by Hurricane Helene. As we all work to rebuild and recover, we're hopeful that this information helps clarify some of the complexities of the insurance claims process. Our beautiful mountain region is resilient, and we will get through this challenging time together.
Note: This information is provided as a general guide based on our experience helping homeowners recover from storm damage. For specific advice about your insurance claim, please consult your insurance provider or a licensed insurance professional.
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