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Hurricane Claims Loss Protocol

Florida Hurricane Insurance - Florida Home Owners Insurance

At Lanier Upshaw, we are here to assist clients with all of their claims needs. If you need to file a claim related to the hurricane(s), follow these important loss protocols to ensure your claim is complete, that you list all potentially insured items, and to help process your claim faster.

PROPERTY CLAIMS:

  • Take pictures and videos of the impacted area including any vehicles, boats or other structures affected.
  • There may be separate claims required for some or all of the above. Photograph and document accordingly.
  • Inventory all lost/damaged items. Print clearly, or use a spreadsheet type application to make your documentation easy to read and understand.
  • It is helpful to have a narrative with the video or have someone with you to take notes on the damages. Make sure the notes (spreadsheets can be helpful for notes) are numbered and correlated to the damaged structures/items.
  • If there is any part of the structure or items that are salvageable, try to protect it from further damage, if safe to do so.
  • While viewing and photographing the damaged structures, take inventory of the contents/business personal property that may be damaged. Again, if anything can be salvaged, it should be moved to a “safe” area.
  • Gather all documentation such as receipts, inventories, serial numbers, etc. of all damaged/destroyed business/personal property. If this is not available, a list will need to be prepared including approximate value and year purchased.
  • Note: For Restaurants or Bars, an inventory needs to be prepared for all lost food/beverage items with approximate value.

BUSINESS INTERRUPTION CLAIMS:

  • Keep receipts for all “extraordinary expense” – all those expenses that would be above and beyond normal operating expenses.
  • Gather tax documents and records that reflect operating costs and profits for the last three years prior to the storm.

 

Not sure what to do, visit our Hurricane Irma information page, or call us at (863) 686-2113. Our team is ready and able to help!