Tropical Storm Debby has caused significant damage across 21 counties, leading to Governor Josh Shapiro's proclamation of disaster on August 9. Residents affected by the storm need to be aware of several key steps when filing insurance claims to ensure they receive the assistance they need.Firstly, review your insurance policy thoroughly to understand your coverage limits, deductibles, and the process for filing claims. Most policies cover wind and water damage resulting from tropical storms, but it is important to clarify specific inclusions and exclusions with your insurer.Documenting the damage is crucial. Take clear, detailed photographs and videos of all affected areas before making any temporary repairs. This visual evidence will support your claim and help in the assessment process. Additionally, maintain a written inventory of damaged items, including descriptions, purchase dates, and estimated values.Promptly notify your insurance company about the damage. Delays in reporting can complicate the claims process. Use your insurer's preferred method of communication, be it via phone, online, or through their app, to initiate the claim.While awaiting the insurance adjuster's visit, make only necessary temporary repairs to prevent further damage, such as covering broken windows or leaking roofs with tarps. Keep all receipts for these temporary repairs, as they may be reimbursable. Avoid making permanent repairs until the adjuster has assessed the damage.When the adjuster arrives, provide them with your documentation, including photographs, videos, and inventories. Walk them through the property and point out all the affected areas. Clear communication with the adjuster can expedite the claims process.Keep meticulous records of all interactions with your insurance company, including phone calls, emails, and letters. Note down the names of representatives you speak with, the date and time of each interaction, and the discussion details. This record can be invaluable if disputes or delays arise.If your claim is denied or the settlement offer is lower than expected, don't hesitate to question the decision. Review the denial letter or settlement offer and gather any additional evidence that may support your case. You can also seek the help of a public adjuster or legal advisor if necessary.Navigating the insurance claims process after Tropical Storm Debby can be overwhelming, but staying organized, informed, and proactive can significantly ease the burden. Remember to take care of immediate safety concerns first and reach out to local resources and emergency services if needed.This content was created in partnership and with the help of Artificial Intelligence AI

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