Making Insurance Claims Easier After a Hurricane

Hurricanes can cause tremendous damage not only to your home, but also to your vehicles. For example, high winds can blow debris and trees onto cars and trucks, and even crush them. Worse still, a motor vehicle’s worst enemy is floodwater, which can quickly rust metal, force debris particles into the engine, and disable electronic systems/components. Waterlogged cars are almost always considered total losses and should be scrapped. As such, it's safe to assume that approximately half a million vehicles will be scrapped after Hurricane Sandy.

Comprehensive insurance policies typically cover hurricane damage, as long as the policy has been in place for a certain time period. This is to prevent consumers from purchasing the coverage only a few days before an impending hurricane. Natural disasters are a stressful time in all aspects, but there are steps that you can take to make the reimbursement process faster. If your vehicle received damage or becomes immersed in water, it is advisable to call in your claim as soon as possible.

Large catastrophes involve many policy holders, and all will be seeking quick service and making claims. The sooner you file your claim, the sooner that you can be reimbursed. If your local agent is not available, or is overwhelmed with calls, try the affiliated provider’s national number. Do not be deterred, because the time that you spend taking care of the issue as soon as possible will save further frustration from waiting on the claim process backlog to be completed. Also, early claimants often receive assistance from local claims adjustors instead of outsiders that have been brought in to facilitate the huge demand for services. Your vehicle may only have some minor damage, so it is advisable to contact professionals that can aid in water removal and those that offer other disaster restoration services.

One way to achieve faster service is to use a preferred repair shop if the insurance provider offers them. This will ensure quality work and you won’t have to wait for a claims adjuster. However, preferred shop will also be booked with other customers, so expect a wait for their services. It also pays to stay organized by keeping record of all of your contacts and paperwork. Try to always be accessible for communication with your Miami Auto insurance agents and repair workers.

The key to a positive hurricane auto insurance claim is patience. At Allstar Direct Insurance & Financial Services, we're here to help you through this process, so give us a call today at 855-754-7414 with any questions you may have.