Hurricanes and tropical storms can be devastating. At Cossich, Sumich, Parsiola & Taylor, LLC we can help you down the difficult road to recovery and navigate you through the complicated insurance process following a natural disaster. Our attorneys have experience working with homeowners and businesses in disputed property claims against their insurance company.

Get Prepared

Make extensive plans and preparations to secure your property to minimize damage.

• Protect windows with permanent shutters, or sheets of marine plywood cut to fit your windows. Tape is not effective in preventing windows from breaking during a hurricane.
• Use clips or straps to securely fasten your roof to the frame structure to help reduce roof damage.
• Trim trees and shrubs around your property.
• Clear rain gutters and downspouts.

Gather all necessary documents

• Be sure you have a certified copy of your insurance policy and declaration page.
• Contact your insurer to evaluate your plan and coverage.
• Obtain copies of the most recent appraisals for your home or business.
• Gather your tax return paperwork for the past five years.
• If an evacuation is needed, bring a copy of an invoice, utility bill, or other official statements to confirm your address.

If Damage Occurs

1. Document any sustained damage using photo or video, with a date stamp, if possible. Do this for your home and, if applicable, your business.
2. Save copies of any receipts of all pre- and post-disaster expenses or purchases, including any checks you write or estimates / invoices you receive.
3. To mitigate further damage, make temporary repairs to damaged property after you have documented said damage.
4. Obtain estimates from a LICENSED contractor for repairs.
5. Document and confirm all conversations you have with your Insurance Provider regarding insurance claims, including conversations with representatives and adjusters. This can be done by written letter or email.
6. If your business is affected, discuss and document any loss of income with your accountant who can help you accurately calculate the losses..
7. Be sure to obtain a current financial statement and balance sheet for your company.
8. Prepare a “Proof of Loss” pursuant to the terms of your insurance policy. This may also include a map of damaged property.