They usually don't pay for removal of trees or debris that blew into your yard without damaging anything. If your home is uninhabitable or you move somewhere else temporarily, be sure to let your insurer know where you can be reached. Industry officials say the spray-painting of important information on homes after Andrew proved effective. Your name and correct address should be sufficient for an adjuster to find your policy. Include a phone number where you can be reached.
Insurers usually send adjusters to the worst-hit homes first.
If your home suffered only minor damage, be patient. Many adjusters and agents are authorized to issue checks on the spot to cover the cost of temporary housing. Get bids from several licensed contractors on repair jobs and present them to your adjuster. You should be free to pick the contractor of your choice, with the adjuster's consent. Some companies provide lists of recommended contractors.