June is here and with it comes the start of hurricane season. It’s crucial to be ready for any potential storms that may come our way. Navigating through the challenges of hurricane season is easier with preparedness and knowledge of the claims process. Dionna, our experienced Director of Claims, is here to share her insights on post-storm recovery and offer valuable tips to help you prepare and respond to any hurricane-related damages.
Get to Know Dionna, our Director of Claims
Dionna Chambers brings a wealth of knowledge in managing claims during natural disasters. Her role involves guiding policyholders and agents through the claims process, ensuring they have the necessary support to recover after a storm. With her expertise in the complexities of claims, Dionna is dedicated to helping our customers get back on their feet quickly.
Dive Deeper into the Claims Process
Filing a claim after a hurricane can feel overwhelming, but understanding the steps can make the process smoother. Here’s a breakdown of what to do:
Immediate Reporting: Report your claim to your insurance carrier as soon as it is safe to do so.
Documentation: Take detailed photos and videos of all damage and debris for better documentation.
Temporary Repairs: Make temporary repairs to prevent further damage and keep receipts for reimbursement.
Detailed Records: Maintain records of all expenses and communications related to the claim.
Access and Cooperation: Provide access to your property for inspections and cooperate with your insurance carrier by providing necessary documentation.
Insights Behind the Scenes
Handling hurricane-related claims presents unique challenges due to the volume of claims, resource competition, rising costs, and the risk of fraud. At Bankers Insurance Group, we overcome these challenges through:
Advanced Preparation: Conducting training, partnering with contractors, and preparing for the season in advance.
Efficient Resource Allocation: Using data to anticipate impacts and pre-positioning resources strategically.
Enhanced Communication: Providing regular updates to policyholders through multiple channels.
Fraud Protection: Training adjusters to identify and address fraudulent activities.
Community Engagement: Collaborating with local communities for efficient relief efforts.
By implementing these strategies, we ensure a prompt and supportive recovery process for our customers.
Tips for Hurricane Season Preparation
Dionna suggests the following tips to prepare for hurricane season:
Policy Documents: Print and store a copy of your insurance policy in a safe place.
Pre-Storm Photos: Take photos of your property before the storm for comparison.
Emergency Contacts: Save the claims phone number and keep it handy.
Important Records: Secure copies of vital business records.
Safety Plans: Create and communicate safety plans for employees and customers.
Alternative Operations: Prepare for potential relocation and alternate communication methods.
Physical Preparations: Clean gutters, secure outdoor property, and back up electronic data.
Supply Chain: Identify alternative suppliers and consider backup power supplies.
Consult Your Agent: Discuss coverage concerns with your agent before the storm hits.
When a Storm Approaches
When a hurricane or storm is approaching, take these actions:
Print Your Policy: Keep a printed copy of your policy accessible.
Secure Important Records: Store essential business records securely.
Add Contacts: Save the claims phone number and keep it accessible.
Take Pre-Storm Photos: Capture property photos before the storm hits.
Safety First: Prioritize the safety of your customers and employees.
Document Communications: Document all communications from carriers and agents.
Relocation Plan: Be prepared to move to an alternate location if necessary.
Back Up Data: Ensure electronic data is backed up before the storm.
Backup Power: Consider backup power supplies for critical operations.
Alternative Suppliers: Identify backup suppliers if needed.
Physical Preparations: Properly prepare your property for the storm.
Electronic Funds Transfer: Be ready for electronic fund transfers for claim payments.
After a Loss
If you experience a loss due to a hurricane, follow these steps:
Report the Claim: Report your claim promptly.
Mitigate Damages: Make temporary repairs and document expenses.
Document Damages: Take detailed photos and videos of damages.
Provide Access: Cooperate with your carrier and provide necessary documentation.
Track Communications: Document all communications from agents and contractors.
Reliable Contractors: Reach out to licensed and insured contractors for repairs.
Data Recovery: Recover and back up data if needed.
Proper Disposal: Follow proper disposal procedures for damaged property.
Stay Safe and Prepared
Preparing for hurricane season can make a significant difference in how you handle a storm. With advice from Dionna, our Director of Claims, and a good understanding of the claims process, you can have a smoother recovery. For more information and resources, visit our Storm Center webpage. Don’t delay until it’s too late. Visit our Hurricane Readiness Kit and Storm Center to learn more about filing claims and preparing for the upcoming hurricane season. Stay safe and be prepared!
