Navigating the Home Insurance Process After a Natural Disaster

Natural disasters, such as hurricanes, floods, and wildfires, can strike suddenly and cause significant damage to homes and property. When disaster strikes, it’s essential to know what steps to take and how your home insurance policy can help you recover. Here’s what you need to know about navigating the process if you’re impacted by a natural disaster, along with important tips for Matic policyholders.

1. Prioritize your safety

The most important priority after any disaster is your safety. Before assessing any damage, ensure that you and your family are safe, and avoid returning to your home if local authorities have not yet declared the area safe. Follow evacuation orders, stay tuned to weather alerts, and seek shelter if necessary.

2. Document the damage

Once it’s safe to return home, document any damage before making temporary repairs. Take photos and videos of everything — broken windows, roof damage, water damage, or anything else impacted by the disaster. This documentation will be crucial when you file a claim.

3. Contact your insurance carrier

Matic policyholders can always reach out to us for help, but when it comes to filing a claim, you’ll likely need to work directly with your insurance carrier. Here’s what you can typically expect:

• Claims process: Your insurance company will require you to file a claim for the damages. Be prepared to provide all relevant documentation, including photos and any receipts for temporary repairs.
• Assessment: Once your claim is filed, your carrier will likely send an adjuster to assess the damage. The adjuster will review your property and determine the extent of the loss.
• Recouping losses: If your claim is approved, your insurance company will reimburse you for the covered damages based on your policy limits and deductible. Keep in mind that policies vary, and certain types of damage, like flooding, may require separate coverage (e.g., flood insurance).

4. Mitigate further damage

Most insurance policies require you to prevent further damage to your property after the disaster. This might include covering broken windows with plywood, tarping your roof, or cleaning up standing water. Save receipts for any materials or services you use, as you may be reimbursed for these expenses.

5. Stay informed on the claims timeline

After filing your claim, it’s important to stay in contact with your insurance carrier to get updates on the claims process. The timeline for processing claims can vary, especially after large-scale disasters where insurance companies may receive thousands of claims at once. Be patient but proactive — follow up regularly to ensure things are moving forward.

6. Know what’s covered

Understanding your insurance coverage before a disaster hits is critical. Review your homeowners insurance policy to know what types of natural disasters are covered, including hurricane damage, wind damage, and flooding. If you live in an area prone to natural disasters, you may need additional coverage, like a flood policy or earthquake insurance.

 

For those seeking coverage in an affected area

When natural disasters occur, insurance carriers often pause or restrict new policy sales in impacted regions. If you’re searching for coverage in an affected area and can’t find options through matic.com, feel free to give us a call at 833-382-1304. While we’ll do our best to help, please understand that availability may be limited due to the disaster’s impact.

For Matic policyholders

If you’re a Matic policyholder, we’re here to help guide you through the process. While you’ll ultimately need to file the claim with your insurance carrier, Matic can help answer your questions and provide support as you navigate this challenging time. Our team is ready to assist you in understanding your coverage and connecting you with your carrier. 

How to reach our customer service team

• Email: [email protected]
• Phone: 888-380-6623

 

Natural disasters are stressful, but with the right preparation and a clear understanding of your insurance policy, you can navigate the recovery process more easily. Knowing what to do when disaster strikes — and how your insurance company might handle your claim — can make all the difference in getting your life back on track after a loss.