Insurance expert Jack Hanks Arizona recently discussed several things everyone should know before filing a hurricane insurance claim.
Hurricanes can be extremely costly disasters. The combination of extreme wind and rain can result in damages many homeowners never expect to experience in their lifetimes. Insurance expert Jack Hanks Arizona recently offered his top tips and insider information about filing an insurance claim following a hurricane.
“We encourage all homeowners to purchase flood insurance, because it can be an affordable way to enjoy some peace of mind when those heavy rains and flooding hit,” Jack Hanks Arizona said. “Standard homeowner insurance policies don’t cover flooding, and that can be absolutely devastating.”
However, Jack Hanks Arizona stated that if your vehicle experiences issues due to flooding, whether at home or on the road, such issues could be covered by your car insurance policy. Jack Hanks Arizona explained that if you have comprehensive car insurance, it is highly likely that flooding is covered. He added that it’s common to see used cars entering the market following a hurricane, as they’ve been damaged by flooding. These cars do not make good purchases, as they can have seriously damaged electrical systems, non-functioning airbags, and more.
“Tree damage is also extremely common due to a hurricane,” Jack Hanks Arizona said. “But what your policy covers regarding fallen trees is a bit more confusing.”
Jack Hanks Arizona explained that what your insurance policy covers depends where they tree has fallen. When a tree on your property falls and damages your neighbor’s property, such as the roof of their home or a fence, the neighbor should file the claim with their insurance company. Hanks added that, many times, trees fall and don’t hit anything. Some insurance policies will pay a small amount for cleanup, while others may not offer anything at all, which can result in much more work and expense for the homeowner.
Jack Hanks Arizona added that it’s important to take advantage of all aspects of your insurance policy following a hurricane. Many times, a homeowner’s policy will pay for additional food, accommodations, and other costs if you’re forced out of your home due to damages. These expenses can add up very quickly, so it’s important to use any benefits your policy offers. Jack Hanks Arizona emphasized the importance of keeping receipts for reimbursement.
“The most important action you can take following a hurricane is to start documenting all damages and contact your home insurance provider right away,” Jack Hanks Arizona said. “Take photos before you make any quick fixes, save all receipts, and communicate with your insurance provider whenever you have questions.”
Jack Hanks Arizona discusses why every homeowner should buy flood insurance.
SCOTTSDALE, AZ / , 2020 / The importance of flood insurance has long been debated amongst insurance providers and homeowners. However, insurance adjuster Jack Hanks Arizona is putting an end to the debate. Jack Hanks Arizona describes that flood insurance is an essential part of insuring your home.
“Everyone thinks ‘it won’t happen to me’ until it does,” Jack Hanks Arizona says. “No home is completely safe from flooding, even here in some of the incredibly dry parts of Arizona.”
Jack Hanks Arizona adds that a single inch of water inside a home can cause more than $25,000 of damage. This amount could financially devastate any family, and Jack Hanks Arizona states that’s why it’s better to be safe than sorry. For four consecutive years, hurricanes have caused more flooding than average, and that’s not just in coastal areas. As the outer bands of hurricanes head thousands of miles inland, areas that wouldn’t normally even see the effects of a hurricane are experiencing major flooding.
Jack Hanks Arizona references a recent article published by FEMA stating that flooding can happen anywhere, including moderate-to-low risk areas. Nearly a third of the claims due to recent Missouri flooding have been from homeowners and renters in areas that are not considered high-risk.
Jack Hanks Arizona adds that it’s essential to review your homeowner’s policy, because flooding is not typically covered in such policies. He adds that the cost of the policy depends on the flood risk of the home, so if you’re living in a low-risk area, your policy can be remarkably affordable. Jack Hanks Arizona explains that even if your climate is not conducive to flooding, flooding can be caused by neighborhood construction, poor drainage, broken pipes, melting snow, and a variety of other issues.
“Flood insurance isn’t a required insurance policy, which makes many people think it’s not worth the additional cost,” Jack Hanks Arizona says. “Unfortunately, these people can find themselves paying tens of thousands of dollars to repair issues due to flooding, when a simple and affordable flood insurance policy would have covered it.”
Jack Hanks Arizona adds that renters should be purchasing flood insurance also. The landlord may have flood insurance on the home, but that coverage likely doesn’t account for the items inside. Hanks offers a number of affordable flood insurance options for renters to help protect their possessions in the event of a flood.
“As insurance agents, we can’t express the importance of flood insurance enough,” Jack Hanks Arizona says. “We’ve just seen too many hardworking people spend their savings on damages that could have been covered with an affordable policy.”
SCOTTSDALE, AZ, USA, July 9, 2020 /– Jack Hanks Public Adjuster Arizona, explains what you need to do in the event of a fire in your home.
House fires have devastating consequences. Families often implement preventative measures such as installing smoke alarms and fire extinguishers in addition to creating emergency exit plans. According to public adjuster Jack Hanks Arizona, many people aren’t prepared for what to do after a fire occurs.
Filing an insurance claim can be a tricky process, especially when dealing with insurance companies and their independent adjusters. However, Jack Hanks Arizona explains that by hiring an outside, public adjuster, you can save quite a bit of hassle and grief, in addition to increasing your overall payout value. He lists some measures that you should take in the event of a fire in your home, and some things you can do to prepare in case tragedy strikes.
Jack Hanks Arizona recommends creating a list of everything valuable in your home. Save the list in a document online, such as in Google Docs or ICloud. Take updated photos of your valuable items and save those with your list. If your house has a major fire, you will still be able to access this list by logging into your account. You can also save family photos and other important documents in a secure online place for safekeeping.
If you didn’t make a list beforehand, it’s still important to make a list of everything you’ve lost. Jack Hanks of Arizona notes that it may take some time to create the list, especially during such a stressful and emotional time. You can start by sorting through the debris and noting all the things you see. Jack Hanks of Arizona explains that it is very important not to throw everything away. It will be much easier to prove what you’ve lost with physical evidence, even if the items are ruined.
Next, Jack Hanks Public Adjuster recommends filing your insurance claim immediately. Don’t wait to notify your insurance company about the fire, and find a licensed and trusted public adjuster in your area to help you maximize your claim. Jack Hanks of Arizona notes that you’ll want to make sure you include a “proof of loss claim”, which is the list of items you lost and their value. The process is long and complicated, don’t get discouraged. Keep track of all communication with the insurance company, including meeting notes, phone call records, and post office receipts.
Even though your home may have substantial damage, or even may have burned to the ground completely, you will be expected to keep the property secured. Jack Hanks Arizona notes that the insurance company will want to know that you are protecting it from further damages. You can take measures such as putting up a fence or border around the property, moving items at risk of additional damage, and covering holes in the wall and roof.
Jack Hanks Arizona Resident Offers Advice for Filing Flood Insurance Claims
Jack Hanks Arizona Resident Suggests Knowing Definition of Flood
While most people will know what a flood is when they see one, it is actually a more complicated matter than you would expect. Jack Hanks Arizona resident and insurance adjuster knows that the way an insurance company defines what is a flood can vary a lot compared to what the average person would consider a flood to be. It is important that you understand what the definition of a flood is. You can then determine if the insurance companies’ definition of a flood matches your concerns. If it does not, you may need to seek other forms of insurance coverage to match your risk.
Jack Hanks Arizona Resident Suggests Understanding Claim Process
Jack Hanks Arizona resident and insurance adjuster also suggests that you fully understand how to file a claim before it is too late. Too many people make the mistake of assuming that it will be quick and easy to file an insurance claim. Unfortunately, when you are filing a flood insurance claim, you can find that it is a far more challenging process than it is with other forms of insurance. It is important that you speak with your flood insurance provider to understand the steps that need to be followed ahead of time. This will help to reduce the time and stress that it takes to file a claim when the time comes.
Jack Hanks Arizona Resident States an Experienced Adjuster will Help
When your home has been damaged in a flood, it is important that you have a good insurance adjuster by your side. Jack Hanks Arizona resident and adjuster knows very well the amount of damage that can be caused by a flood. In fact, the true extent of the flood damage is not always very clear to someone that comes and walks your property. Structural damage, mold, and other issues are very common if your property has been affected by a flood. Due to this, it is important that you have an experienced adjuster check over your home. Jack Hanks Arizona Resident and adjuster will be able to identify these problem areas, which will ensure you receive the insurance reimbursement you need to make all necessary repairs.
According to Jack Hanks of Arizona, you have nothing to lose and everything to gain by hiring a public adjusting firm.
Things happen; that’s why people choose to protect themselves with property insurance. However, when it comes time to file an insurance claim, it can be a tricky process. If not done correctly, policyholders can be shorted a great deal of money they need and deserve. Public adjuster, Jack Hanks of Arizona, explains that by hiring a public adjusting firm, you can rest assured that you’re getting the most out of your insurance policy’s coverage.
When it comes time to file a claim for hail, fire, wind, smoke, or flood damage, a public adjuster works on behalf of the policyholder. The licensed professional works for individuals, not for insurance companies, which means they can add tremendous value to your overall payout. Jack Hanks of Arizona notes that they can also assist with other types of insurance losses, such as commercial insurance or property damage.
People trust public adjuster experts because they are incredibly knowledgeable about different insurance policies and can sort through the language barriers. Plus, they know how to file and adjust claims across a variety of fields. Each client receives an independent evaluation specific to their property loss situation.
The entire process can be quite exhausting for a policyholder. Public adjusters step in to estimate the costs associated with the property loss accurately, then log and submit initial and supplemental claims promptly. Jack Hanks of Arizona explains that it is infrequent to see a policyholder complete their forms correctly and with a high level of detail, especially since every claim is different.
Public adjusters shine when it’s time to negotiate with contractors and reach better settlements with the insurers. Jack Hanks of Arizona further explains by saying most contacts between adjusters and contractors are in person at the location of the loss. However, communication with the policyholder’s insurance company is usually done through the mail.
Many people find the process to be tedious and complicated since it takes a long time and requires the storage of documents. Jack Hanks of Arizona notes that public adjusters make things easier by keeping track of correspondences and knowing when to follow up. Policyholders can be at ease and not have to worry about any pitfalls or mistakes.
Every person that is filing a property insurance claim should consider hiring a public adjuster, even if the request is for a small amount. If the claim is for a high payout, a public adjuster should be considered a necessity. According to Jack Hanks of Arizona, a policyholder has very little to lose by hiring a public adjuster. A great deal of public adjusting firms even offers to evaluate the property loss for free!
No matter how competent the policyholder is, it’s always best to get a second opinion. People are often surprised to find out that their loss estimate is much less than it should be. Public adjusters have a full understanding of all the hidden costs associated with property damages. Jack Hanks of Arizona notes that even the best insurance companies will never pay more than they need to, according to the claim you submit. Hire a public adjuster to make sure you cover all your bases.