Pelican State News

Hurricane Francine struck on Wednesday as a Category 2 storm, causing significant power outages and flooding across various regions. In the aftermath, residents and business owners are advised to carefully navigate the insurance claims process to ensure a smooth recovery.

Once it is safe to do so, affected individuals should contact their insurance companies. Important questions to ask include: "What types of damage are covered?" "How long will it take to process my claim?" and "Will I need to obtain estimates for repairs?"

Temporary repairs can be made to prevent further damage, but extensive permanent repairs should wait until after an insurance adjuster has assessed the property. It is important to save receipts for any repair expenses incurred.

For the adjuster's visit, detailed information about damaged items should be prepared, including descriptions, purchase dates, and replacement costs. An inventory of damaged or destroyed items should be provided along with receipts when possible. Damaged items should not be discarded until after the adjuster's inspection. Photographing or videotaping the damage is recommended if records are unavailable.

Structural damages such as wall cracks or missing roof tiles should be documented for the adjuster. Electrical systems should also be inspected; most insurance policies cover these inspections.

Written bids from licensed contractors detailing materials and costs can expedite the claim adjustment process. Copies of all documents submitted to and received from the insurance company should be retained.

After settling claims and beginning repairs, it's crucial to reassess insurance coverage adequacy. Discussions with an insurance agent about potential changes may be beneficial.