Contractors who participate in these programs have likely agreed to repair costs dictated by the insurance company or a vendor, and may or may not fully compensate damages.
"Not all insurance companies handle claims badly, so go into the claims process with an open mind," said Hunter. "Be vigilant, though, and be ready to stand up for yourself and your family, or you run the real risk of being shortchanged."
5. Keep records during the process.
Immediately start a notebook or document listing contacts with your insurance company. List the date, time and a brief description of every exchange. If you need to complain later, this information will be vital. If an adjuster says he or she will come and does not, document that.
Make a list and take pictures of your possessions. If you have no pictures when you file a claim, remember family or friends may have pictures of rooms in your house for example, from holidays or other celebrations, that can be helpful in recreating a list.
6. Keep receipts for living expenses
You may be entitled to money up-front for living expenses, such as hotel costs and meals, if your home becomes uninhabitable. Keep receipts from emergency repairs as well as any costs you incur in temporary housing. These costs may be reimbursable under the "Additional Living Expense" portion of your homeowners policy.
If your claim is limited to flood insurance, additional living expenses are not covered. If your home was impacted by both wind and flood, you may be entitled to living expenses from your homeowner's insurer, depending on your policy.
Philly Ida resource guide: Safety tips, road closures, post-flooding advice, trash delays, downed trees, and more.
If you have problems with your Ida claim