Hurricanes can bring devastating winds, heavy rainfall, and widespread damage. Whether your home has suffered minor issues or major destruction, knowing how to file a homeowners insurance claim can help you begin the recovery process quickly and efficiently.
Here’s a step-by-step guide to help you navigate filing a claim after a hurricane—plus tips to make the process smoother and less stressful.
1. Document All Damaged Property and Belongings
Start by making a detailed list of any damaged items and structural damage to your home. Use your phone to take clear photos and videos of each item, including the damage it sustained. If you already have a home inventory on file, use it as a reference to compare what was affected.
Important:
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Do not throw away damaged items unless your local authorities require it.
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If disposal is mandatory, make sure to photograph each item first for your claims adjuster.
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Visual documentation can help speed up the claim review and ensure you get the coverage you’re entitled to.
2. File Your Claim Promptly—Online or by Phone
The sooner you file, the faster your recovery can begin. Many insurance companies, including Universal Property & Casualty, offer convenient online claim filing options.
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Online: Visit the website and complete the simple form. Once submitted, you’ll receive a claim number and can track the status of your claim online from start to finish.
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By Phone: Call (803) 280-6185 to file your claim with a representative. Be sure to provide full details of the damage and let them know if your home is uninhabitable and you’re arranging temporary accommodations.
Tip: Write down your claim number and the name of the representative you speak with for your records.
3. Review Your Policy Coverage
Understanding your policy ahead of time makes a big difference when disaster strikes. Review what’s covered and what exclusions apply—especially when it comes to storm-related damage such as flooding, wind, or damage to solar panels or detached structures.
If your physical policy documents were lost or damaged:
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Access a digital copy by logging in to your account, or
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Contact your insurance agent, who can walk you through your coverage or send a replacement copy.
4. Understand Your Hurricane Deductible
Unlike standard deductibles, most hurricane-related claims fall under a percentage-based deductible. This is usually calculated as a percentage of your home’s insured value.
Example:
If your home is insured for $200,000 and you have a 5% hurricane deductible, you would need to pay the first $10,000 in damages out of pocket before your insurance coverage begins.
Knowing your deductible helps you determine whether filing a claim is worthwhile and how much financial responsibility you’ll have upfront.
Final Thoughts
Filing a homeowners insurance claim after a hurricane doesn’t have to be difficult—especially when you’re prepared. With digital tools and the support of your insurance provider, you can streamline the process and focus on rebuilding.
If you’re ever unsure about what steps to take, your insurance agent is your best resource for personalized guidance and support.
