The most important thing we recommend that you do prior to leaving if we are under a tropical storm or hurricane watch is to have a copy of your policy with you. As independent agents we offer policies from many different insurance companies. Policies are not the same. Your neighbor's home insurance policy will not provide the same coverages as your policy so have a copy of your policy and read it. If you have questions then we highly recommend calling Triest Agency for a policy review. Unfortunately we cannot do this if we're under a tropical or hurricane warning or watch so please ask for a review now.
Our office will post a special web page with catastrophe claims number if we are hit with a hurricane. Triest will also email all of our contacts for which we email addresses with catastrophe claims numbers and information as we receive it. We will not be able to call policyholders and currently do not text claims information. If we don't already have a valid email address we urge you to send it to us at firstname.lastname@example.org . This is the best way for us to contact all of our clients if we experience a catastrophe.
If you experience a claim please attempt to make reasonable steps to protect property from further damage until a claims adjuster can contact you. The insurance company may pay for the reasonable cost incurred by you for the necessary measures taken solely to protect covered property that is damaged by a covered cause of loss. Keep receipts and document all work that is done on the property due to the loss. If you experience additional damages, please report these damages to your claims adjuster in a timely manner.
Begin making an inventory of damaged personal property which would include food, clothing, carpet and furniture. If the damage from a covered loss makes your residence not fit to live in, depending on your policy the insurance company may pay for any necessary increase in living expenses incurred by you so that you can maintain your normal standard of living. Please save receipts for additional living expenses.
Should you have water in the house please turn the water off and contact a plumber. Please contact a water extraction company and have the water removed from the house as soon as possible. Remove any wet padding. Contact your claims representative should you need a name of a qualified emergency services company. We will post a list of water extraction companies and plumbers on our catastrophe page and email these to all clients. a
Once reported, be sure to take the following steps to protect your home and family from further damage:
- Take pictures of all damages as soon as possible.
- Make temporary repairs and save receipts for any materials that you purchase. Don't make extensive repairs until our adjuster has been out to inspect your property.
- Begin making a list of personal property that is damaged.
- If your residence is not fit to live in, save all receipts associated with the additional living expenses incurred.
- If you experience additional damage, report it to your claims adjuster.