Make safety and documentation top priorities when returning home and cleaning up after a hurricane. Once an area is determined safe, make temporary repairs to prevent further loss and list damages. Keep all receipts, including repairs, food, lodging and other expenses associated with the loss. Give these and the list of damages to the insurance adjuster when they arrive.
Photos provide another good means of documenting losses.
Dr. Frances Graham, housing specialist with Mississippi State University's Extension Service, said the insurance agent is the go-between for the individual making the claim and the company and should be kept informed. Even with additional adjusters brought to an area, it takes time for insurance companies to respond to all claims due to the widespread, extensive damage caused by a major hurricane. Roof shingle and siding loss are the most common claims made to State Farm Insurance after a hurricane. Before a crisis occurs, property owners should know what their policy covers and be sure they are properly insured. Flood insurance, important in hurricane prone areas, typically does not come with policies and must be purchased separately.