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       <div class="no-h1-display clearfix"> <h1 property="dc:title">Tips for Filing an Insurance Claim</h1></div>
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     <h1 property="dc:title">Tips for Filing an Insurance Claim</h1>
      <div id="resize"><div class="section-date-author">Daily Real Estate News |   
  
Monday, August 28, 2017   	
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  <div property="dc:description"><!--paging_filter--><p>Tens of thousands of insurance claims are expected following Hurricane Harvey. The now-tropical storm is predicted to cause up to $10 billion in property damage in Texas. Catastrophic flooding along Texas&rsquo; coastline could cause 30,000 residents in the state to need shelters, FEMA predicted Monday.</p>

<blockquote>
<p>Read more: <a href="https://www.houselogic.com/finances-taxes/home-insurance/understand-disaster-insurance-claims/" target="_blank">Understand Disaster Insurance Claims</a></p>
</blockquote>

<p>Many homeowners and renters may soon learn that standard insurance policies don&rsquo;t often cover groundwater flooding either. Owners must get separate coverage from the National Flood Insurance Program or a private insurance company for that. (Read more: <a href="/daily-news/2017/08/28/harvey-sparks-flood-insurance-disaster" target="_blank">Harvey Sparks Flood Insurance Disaster</a>)</p>

<p>For those who are covered, here are a few tips for filing a claim:</p>

<ul>
	<li><strong>Contact your insurance company immediately. </strong>Insurers will <span style="font-size: 12px;">likely&nbsp;</span>want to visit the damaged area, if they&rsquo;re able to, when you&rsquo;re reporting a claim. Homeowners need to get a claim number. Depending on the extent of the claim, an insurer adjuster may take anywhere from a week to&nbsp;six months to contact you, according to HouseLogic, a consumer website produced by the National Association of REALTORS&reg;.&nbsp;</li>
	<li><strong>Document losses. </strong>Take pictures and videos of the damages. If possible, include the date of purchases and the estimated value of damaged items, John Salter, a certified financial planner in Lubbock, Texas, told <em>USA Today</em>.</li>
	<li><strong>Keep track of what you spend. </strong>Owners making any immediate repairs to secure their home should remember to keep receipts. Also, keep any receipts for hotels or meals while you&rsquo;re away, if your home is uninhabitable.</li>
	<li><strong>Get everything in writing.</strong> Keep a record of all communications with the insurance company, the adjuster, contractors, and others. Be sure to log the&nbsp;dates, times, and details of any phone conversations. Keep copies of email correspondence. Ask for any estimates in writing.</li>
	<li><strong>Sign up for text alerts.</strong> Insurance companies often use SMS text alerts to keep you updated on the status of your claim. Companies will <span style="font-size: 12px;">likely&nbsp;</span>send you an alert when you first file a claim, when your estimate is available, and when the payment has been sent.</li>
</ul>

<p><em>Source: &ldquo;<a href="http://www.ydr.com/story/money/2017/08/28/after-hurricane-harvey-tips-filing-insurance-claim/606546001/?cookies=&amp;from=global" target="_blank">After Hurricane Harvey: Tips for Filing an Insurance Claim</a>,&rdquo; USA Today (Aug. 28, 2017) and &ldquo;&lsquo;<a href="https://www.usatoday.com/story/news/nation/2017/08/28/heartbreak-texas-harvey-drive-30-000-shelters-fema-says/607224001/" target="_blank">A Very Heavy Lift&rsquo;: Harvey Will Drive 30,000 to Shelters in Texas, FEMA Says</a>,&rdquo; USA Today (Aug. 28,2 017) and the National Association of REALTORS&reg;</em></p>
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