How to File an Insurance Claim if Hurricane Helene Damaged Your Property

In the aftermath of Hurricane Helene, residents across Georgia are beginning to assess damage caused by wind and flooding. AAA is offering advice on how to navigate the claims process, handle vehicle damage, and avoid scams while rebuilding.

Filing an Insurance Claim

Residents are urged to contact their insurance provider directly to begin the claims process. For AAA policyholders, more information is available at AAA.com/Claim for home, auto, and flood insurance policies.

Dealing with Flooded Vehicles

TOO MANY ADS? GO AD-FREE
Did You Know?: The ads you see on this site help pay for our website and our work. However, we know some of our readers would rather pay and not see ads. For those users we offer a paid newsletter that contains our articles with no ads.
What You Get: A daily email digest of our articles in full-text with no ads.

Flooded vehicles are a common issue following hurricanes, and those with comprehensive auto insurance are often covered. However, it’s crucial to confirm coverage with your provider. AAA advises residents to avoid starting a vehicle if it has been submerged, as this can cause severe engine damage. Instead:

• Take photos of the vehicle’s exterior.
• If the water levels are still high, wait for them to recede before photographing the interior.
• Have the car inspected by a professional mechanic to ensure it is safe to drive.

Avoiding Self-Inflicted Damage

Flooded streets can be deceptive, and driving through them may cause further vehicle damage. If water reaches above the doors and the engine stalls, AAA advises drivers not to restart the engine. Instead, exit the vehicle and seek safety before contacting help.

Understanding Wind vs. Water Damage to Your Home

Standard homeowners’ insurance policies cover wind damage, but flood damage is excluded unless you have a separate flood insurance policy. Homeowners who lack flood insurance may still be able to apply for federal disaster assistance through loans provided by the U.S. Small Business Administration. Unlike insurance claims, these loans must be repaid.

Steps to Take After Home Damage

• Document the damage: Take photographs and videos of any damage to your home.
• Prevent further damage: Use tarps to cover roofs or broken windows.
• Keep receipts: Document any expenses related to repairs or temporary housing, as these may count toward your deductible.
• Contact your insurer immediately to begin the claims process.
• Be cautious of unsolicited contractors offering to handle your repairs.

Beware of Unlicensed Contractors

AAA is warning residents about the risk of contractor fraud in the aftermath of the storm. Some contractors may offer deals that seem too good to be true, such as waiving insurance deductibles or asking for cash upfront. AAA suggests watching for red flags like unsolicited visits, promises of quick repairs, or contractors who ask for full payment before work begins.

AAA’s Recommendations for Hiring Contractors

• Contact your insurer first: Before authorizing any repairs, ensure the damage is covered by your insurance.
• Get multiple estimates: Request itemized quotes from at least three licensed and insured contractors.
• Check credentials: Verify that the contractor has an active Georgia license and check for complaints on the Better Business Bureau website.

For residents still recovering from Hurricane Helene’s effects, following these guidelines can help ensure a smoother and safer recovery process while avoiding potential pitfalls.