How to File an Insurance Claim for Hurricane Damage

If a hurricane damages your property, you’ll want to get the insurance claim process rolling as soon as possible. Flooding and roof damage after a disaster can put your property at risk if you don’t act quickly. But how do you even begin filing a hurricane insurance claim for roof damage or other disaster-related emergencies?

If you have roof damage after a hurricane, sealing your roof off to protect the rest of your property and belongings is critical. That means you need disaster relief now, not later. Nothing can happen until you file your roof damage claim, so that’s your first step to getting the relief you deserve.

Here’s how an insurance claim for hurricane damage works:

  • Notify your insurer(s) that you need to file a claim, and be sure to ask how long it will take until you get a visit from an adjuster to inspect the damage.
  • Tell your insurer if you need emergency disaster relief for roof or other damage that could lead to further losses.
  • If you have roof damage from a hurricane, your next step will be to contact Smart-Tarp for disaster response relief. We can usually have your roof covered securely to prevent further damage within 72 hours.
  • Document the hurricane damage to your property with photos, videos, and written documentation.
  • Make a list of your property’s inventory to make assessing the value of the contents easy for adjusters.  

Again, if your property has roof damage after a disaster, protecting your property and its contents from even more damage can end up being your responsibility. That’s not a position anyone should have to be in after the trauma of a hurricane disaster, and that’s why Smart-Tarp has your back. 

Roof Damage From a Hurricane is Your Top Priority

When your property has roof damage after a disaster like a hurricane, and you’ve taken the proper steps for an insurance claim, be prepared to wait. Insurance companies are notorious for dragging things out, which pressures claimants to settle sooner (often for much less than they could get). 

But you don’t have to play that game when you can protect your property with a temporary shrink wrap roof. Not only will you get the protection your property needs right away, but you also get the luxury of having more time to negotiate the best settlement. 

Here’s why SMART-TARPTM is the most immediate and practical disaster relief solution for a damaged roof:

  • Wind and Tear Resistant

Because a shrink wrap roof is heavy-duty and installed for a drum-tight fit, your temporary emergency roof is wind and tear-resistant. 

  • Water Proof Seal

The waterproof seal of a temporary shrink wrap roof helps prevent further moisture damage, mold, and mildew with a leak-proof barrier.  

  • 1-Year Guarantee

Let the insurance companies play their waiting game — we’ve got you covered (literally!) A Smart-Tarp shrink wrap roof is guaranteed against leaks for a minimum of 12 months. 

  • No Out-of-Pocket Cost

With SMART-TARPTM , insured property owners can get the disaster relief they need without using any of their own money. That’s because we work directly with the insurance company for the fastest and most comprehensive roof damage protection. 

Pro Tip: Once you get your hurricane insurance claim rolling and your property secured against further damage, what do you do if your home isn’t livable? While you’ll still play the waiting game, keep a log and receipts for lodging, dining, and any other expenses caused by the disaster damage. If the process unfolds as it should, you can get reimbursed for those expenses down the line.  

When to Hire a Lawyer for Disaster Insurance Claims

You already know receiving compensation for a disaster insurance claim can take a while, but what should you do if your claim isn’t being handled to your satisfaction? Insurance companies lawyer up all the time, so it’s only fair to level the playing field when you feel like you’re at a disadvantage.

More minor insurance claims can usually be settled without too much fanfare. But roof damage from a disaster can be a whole other ballgame. When there is more at stake for you and the insurance company, the likelihood of disputes is higher. You don’t have to let insurance adjusters and other insurance company representatives intimidate you or keep you in the dark when you can hire an attorney. 

Here are a few instances where it might be in your best interest to hire a lawyer for your disaster insurance claims:

  • Claims where you and the insurance adjuster don’t see eye-to-eye
  • Costly or complex claims
  • Emergency disaster relief delays
  • Claim denial

Most attorney consultations for hurricane insurance claims are free, so you have nothing to lose and a more favorable settlement to gain.

Let SMART-TARPTM help take the worry out of the wait with the hurricane insurance claim process. Find out more when you call (833) 559-7277 and talk with one of Smart-Tarp’s disaster relief specialists. We’ll show you how easy it is to get the peace of mind you want and the property protection you deserve.