After the storm

your insurance agent immediately. Most major insurers have tollfree phone numbers.

Call

of damaged property. Keep notes and use inventory lists to help adjusters assess damages.

Take pictures/video

of your hurricane deductible ranging from 2 percent to 10 percent of your home’s insured

Be aware

value. For some policies, a $500 flat deductible applies. Whatever your deductible, you will be responsible for it.

replacement costs/estimates from local retailers, and obtain statements from vendors on items that cannot be repaired.

Secure

temporary repairs to prevent further damage. Save all receipts. But don’t make permanent repairs until an insurance adjuster has inspected it.

Begin making

of damaged contents until authorized by your agent or claim representative.

Do not dispose

that adjusters will know what street they are on; street signs may have blown away. Industry officials say spraypainting important information on homes after a hurricane has proven effective. But don't include your policy number; someone else may take advantage of that.

Don't assume

Insurers usually send adjusters to the worst-hit homes first.

and agents are authorized to issue checks on the spot to cover the cost of temporary housing.

Be patient. Many adjusters

about your claim or dissatisfied with your insurance adjuster’s findings, consider seeking help from a public adjuster. A list of licensed adjusters is available from the Florida Association of Public Insurance Adjusters at fapia.net.

If confused