Yellowhammer Times

At least three individuals lost their lives in a series of severe storms that hit Alabama on March 15. In response, Governor Kay Ivey declared a state of emergency, and Attorney General Steve Marshall issued a warning about potential price gouging in the affected regions. The state's price gouging law becomes effective during a state of emergency and prohibits "unconscionable pricing" of goods and services.

For those navigating insurance claims following such disasters, several steps can be taken to address coverage issues. Initially, once it is safe to do so, contacting your insurance company is crucial. Important questions include understanding what damages are covered, the expected timeline for claim processing, and whether estimates for repairs are needed.

Temporary repairs can be made to prevent further damage; however, extensive repairs should wait until after an adjuster's visit. It is essential to keep receipts for any repair expenses incurred. Preparing detailed information about damaged property can expedite the claim process. An inventory of damaged or destroyed items should be prepared along with any available receipts, photos, or videos.

Identifying structural damage and creating a list for the adjuster’s review is recommended. This includes checking the electrical system as most insurers cover these inspections. Obtaining written bids from licensed contractors with detailed material costs helps simplify claim adjustments.

Maintaining copies of all documentation submitted to the insurance company and recording communications with them is important. Once claims are settled and repairs begin, reassessing your insurance coverage may be beneficial to ensure adequate protection for future incidents.