Hurricane Lane has come and gone but the destruction it caused is expected to stay until homeowners and city workers are able to make the necessary repairs they need to get the state back to the condition it was in prior to the storm. While the state of Hawaii was fortunate enough to have Hurricane Lane downgrade to a tropical storm, many islands were still hit with major flooding causing many residents to evacuate their homes. And now that the storm has passed, the state is working to assess the damage that has been done.
According to the Express, Hawaii County Civil Defense officials have already reported that 18 homes and two businesses suffered damage from major flooding and an additional 86 homes and 16 businesses suffered minor damage. However, those numbers only represent 60% of the homes on the land which means there could be plenty more homeowners out there who are dealing with flood damage. Apart from the flooding, the Hawaii News Now reported that fires also broke out after the storm hit in Lahaina leaving many residents feeling “abandoned” as they were left without the help they needed.
Because flooding and fire tend to cause the most destruction to a home and/or business, it is important that residents in Hawaii begin taking the necessary steps so that their home gets the repairs that it needs.
Although there may be a few individuals who are going to be required to make some of the necessary repairs themselves, and with their own money, the majority of the homeowner’s whose property sustained damage from Hurricane Lane will likely be preparing to file an insurance claim if they haven’t done so already. In the event your home, vehicle, or business was damaged as a result of the recent tropical storm that hit Hawaii, below are a few tips the PR Web shared from the American Insurance Association (AIA):
- If you haven’t done so already, contact your insurer or the agent you generally work with and report all your losses and along with the damage that has been done. Although you will be asked to provide a general description of what needs to be repaired/replaced, your insurance company will have to come out and assess the damage so that they can estimate what it is actually worth. In order to ensure you get the fastest results, stay in constant contact with your insurer. During times like this after natural disasters hit, insurance companies tend to get backed up and often delay in handling claims. This is also a time when mistakes are made which means some homeowners receive a denied insurance claim as opposed having theirs approved.
- Keep all recovery-related receipts. If you had to evacuate your home and pay for meals and lodging, your insurer may reimburse you as these expenses are generally covered under the “additional living expenses” portion of your insurance policy.
- Draw up a list of damaged property. If you are able to, take photographs as well or even record a video so that you have proof to show your insurer damage was done along with the extent of it. As you write up your list, be sure to include all the details you can as this can help your insurer better estimate what your claim is worth.
- Be sure to return all claims forms to your insurer as soon as possible. The quicker you do this, the quicker they are able to process your claim.
- If you don’t have flood insurance but your home sustained water damage, your claim may be denied. However, you may want to speak with an insurance claims denial lawyer in Hawaii about this as they might be able to help you find a way to get your claim approved simply by looking through your policy.
In the event your Hurricane Lane insurance claim was denied, remember, you can always turn to one of our denied insurance claim attorneys in Hawaii who can help you appeal your insurer’s decision.
After a hurricane or tropical storm hits, the days and weeks following the storm can be tough. Not only might your home be significantly damaged, but you may not be able to return to work. So, to help make this time a little easier, consider contacting USAttorneys.com and allow us to connect you with a reliable and dedicated HI insurance claim denial attorney. Our attorneys will not only help with the claims process, which reduces some of the burden on your shoulders, but also work to ensure your claim is approved and not denied.
If you would like to be connected with an insurance attorney in Hawaii now, contact us as soon as possible.