With Hurricane Lane approaching Hawaii, here are some tips for being prepared to submit claims to your insurer or any loss caused by the storm.
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Collect important papers, including your homeowners insurance policy so they are available after the storm.
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Keep contact information for your insurer and agent available for use after the storm.
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Inventory household items and save any receipts you may have for expensive purchases to assist in making any claim.
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Photograph the interior and exterior of your home. This will assist in demonstrating the condition of the home before and after the storm.
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Keep all receipts for any repairs that are made post-storm to support your claim.
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Note: A homeowners or commercial property policy does not cover damage caused by flood. The federal government insures flood damage through policies that are administered by private insurers. Wind damage caused by hurricane is covered if endorsed.
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Your insurance adjuster may have recommendations for professional restoration and repairs.
Most important, stay safe Hawaii.
