8. The Claims Process After a Hurricane: What to Expect & How to Prepare

After a hurricane, the last thing you want is confusion or delay in getting help. Understanding the claims process ahead of time can make all the difference in a quick, successful recovery.

Why It Matters
Hurricane claims can be complex—especially when dealing with high volumes, multiple types of damage (wind, water, fire), and multiple policies. Being prepared means faster results and fewer disputes.

How It Impacts You
Homeowners who are unfamiliar with their policy, lack documentation, or miss deadlines may face long delays or denied claims. Knowing what to do immediately after a storm is essential.

Be Proactive

• Document your property before the storm (a simple video from your phone)
• Take post-storm photos as soon as it’s safe
• Keep receipts for temporary repairs
• Contact your insurance carrier or agent immediately (have these numbers in your phone!)
• Keep records of all communication

How Mappus (Afore) Helps
We assist clients every step of the way—from filing the claim and gathering evidence to coordinating with adjusters and ensuring fair treatment. We’re your advocate in the process, not just a policy provider….that said, during a major disaster, we always recommend all policyholders to file their claim immediately and directly with their insurance carrier….We can then help after that!

If disaster strikes, you don’t have to navigate it alone. Let Mappus/Afore Insurance be your partner before, during, and after a claim. Contact us today to learn how we advocate for you.