Hurricane season normally comes around June 1st and stays till late November. During this time, hurricanes are most expected and may interfere with binding coverage to your property and things. That is why it is so important to lock in protection before the season to guarantee the protection of your things.

Here is a list of what to do before a hurricane https://disaster-help/hurricane

Wind is most common among the perils protected by a basic homeowners insurance policy. However, some policies may exclude wind-related damage. It's valuable to take the time to learn what your home insurance policy covers or contact your agent to learn about your structure’s limits, as well as your belongings limits.

Unfortunately, your private homeowners insurance policies will most likely not cover flood damage. This also pertains to flooding as a result of a hurricane. Flood insurance is purchased separately from home insurance.

You may feel like you are in need of flood insurance. Feel free to talk to someone here at 3rdGenerationInsurance

To file an insurance claim, you should contact your insurance company's claims department as soon as possible. They will guide you through the process and provide the necessary forms and instructions. It's important to provide accurate and detailed information about the incident or damage, including any supporting documents or evidence.

When filing a claim, you will typically need to provide details about the incident or damage, such as the date and time it occurred, a description of what happened, and any relevant photos or videos. You may also need to provide a police report (if applicable), contact information of any involved parties, and a list of damaged or stolen items. Your insurance company will guide you on the specific information they require.

The time it takes to process an insurance claim can vary depending on the complexity of the claim, the type of insurance policy, and the responsiveness of all parties involved. In some cases, simple claims can be processed quickly, while more complex claims may take longer to investigate and evaluate. Your insurance company should provide you with an estimated timeline for processing your claim.

Filing a claim can sometimes impact your insurance premium, although it's not always the case. Insurance companies consider various factors when determining premium rates, including the number of claims you have filed in the past. If you have a history of multiple claims, it may result in higher premiums. However, if the claim is due to circumstances beyond your control, such as natural disasters, your premium may not be affected. It's best to consult with your insurance company to understand how a claim may impact your premium.

If your insurance claim is denied, it's important to review the denial letter and understand the reason for the denial. Insurance companies may deny claims for various reasons, such as policy exclusions or insufficient evidence. If you believe your claim was wrongfully denied, you can appeal the decision by providing additional documentation or seeking assistance from a professional, such as a public adjuster or an attorney specializing in insurance claims.