In this inconceivably horrible time for so many people we wanted to send everyone in need our prayers and condolences and share a few proposed steps to take in order to attempt a swift financial recovery.
- Contact your insurance agent, broker or insurance company as soon as you can to file a claim.
- Prepare a list of damaged or lost items and proof of cost (if possible).
- Memorialize the effects of the storm early on in the cleanup process.
- Photograph or videotape the damage for further documentation to support your claim.
- If possible, keep damaged items or portions of those items until the claims adjuster has visited your home.
- Do not throw away anything you plan to claim without discussing it with your adjuster first.
- Keep receipts for additional expenses incurred such as lodging, repairs or other supplies.
- Make copies of all documents and pictures given to your claims adjuster or insurance company.
- Stop unnecessary expenses if your house is inhabitable. Notify the utility company and other service companies (phone, internet, etc.) so they can stop billing immediately.
- Estimate the amount of income and emergency savings you have to pay bills while you recover from the disaster in order to create a prioritized budget. Insurance premiums and rent or mortgage as top priority.
- Call creditors and ask for more time to pay as need be.