Insurance – After the Event – Disaster Preparation

52 Steps to Business Prep

Step 1 – Insurance

Insurance after the eventGet Prepared: Review and Update Your Insurance

Insurance – After the Event – Disaster Preparation


Assessing the Damage

When assessing your home following a disaster, remember to photograph and/or video tape any damage. You should also make repairs necessary to prevent further damage to your property (e.g., cover broken windows, leaking roofs, etc.), but do not make permanent repairs until you have received written approval from your insurance company or their designated representative. Keep receipts for any necessary inspections or repairs you make, because they might be reimbursable under your policy. Until the claim is settled to your satisfaction, keep any damaged personal property for the adjuster to inspect.

Filing a Claim

File your claim as soon as possible. Call your insurance company or agent with your policy number and other relevant information. Keep a detailed list of conversations and correspondence with your insurance company and/or agent. Include the name of the person you spoke with, their contact information, the date and time of the conversation and notes of what was said. Be sure to cooperate fully with the insurance company and provide all information requested. Providing incorrect or incomplete information might cause an unnecessary delay in processing your claim.

Insurance – After the Event – Disaster Preparation: Find more information and tips about assessing the damage to your home and what to expect when filing a claim following a natural disaster here.

Claims Settlements

If there is a disagreement about the claim settlement, ask the company for the specific language in the policy that is in question. Find out if the disagreement is because you and the insurance company interpret your policy differently. If this disagreement results in a claim denial, make sure you obtain a written letter from the company explaining the reason for the denial and the specific policy language in your policy under which the claim is being denied.

If offers made by an insurance company do not meet your expectations, be prepared to negotiate with the company to get a settlement that meets your expectations.

Contact Your State Insurance Department

If you have a dispute with your insurer about the amount or terms of a settlement, contact your state insurance department. Find a link to your state insurance department’s Web site and their phone number here.


Know before a disaster how long you have to file and with what parties you must file.  Make yourself a check off list prior to an issue. Making one during a disaster is a seconds crisis waiting to happen.

Use your video, camera or phone to create a record.

Make a record of everyone you speak with, time, dates and in reference to what specifics.  If possible send a follow up email to confirm any items of agreement or contention.

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52 Steps to Business Prep is an easy way to get your business ready for the unexpected. 


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