If your home or business has been damaged or destroyed by Hurricane Laura, United Policyholders' Roadmap to Recovery® program will help guide you in valuing and documenting your loss, understanding insurance rules, settling your insurance claims fairly, and finding qualified professional, charitable, and government help.
There is an active Federal Emergency Management Agency (FEMA) major disaster declaration involving Hurricane Laura for the state of Louisiana, which means that SBA and FEMA resources will be available for the counties in the Disaster Declaration. United Policyholders encourages all impacted households to click here and register to get information and aid. Remember to register with FEMA, disaster survivors can apply for federal aid even if insured. Disaster assistance may be able to fill insurance gaps or provide help if you've been waiting more than 30 days on a homeowner's claim.
If your home is damaged or destroyed, our guidance on insurance, clean up and professional claim, construction and legal services will help you get started on the road to recovery and make good decisions or repairing or rebuilding or replacing your home. United Policyholders is non-profit and has almost 30 years of experience in communities hit by catastrophic losses from disaster. We're rooting for you and here to help. No strings attached.
Steps on the Road to Recovery
STEP 1: Taking it in and getting started
- Before and After a Flood
- Top Ten Insurance Claim Tips
- Flood Recovery and Insurance - Getting Started
- Sample Letter Requesting Copy of Your Insurance Policy
- Simplified Guide to Your Homeowners Policy
STEP 2: Arranging temporary housing
- Additional Living Expenses (ALE)/Loss of Use: What expenses can you claim on your homeowner's policy?
- Sample Letter Requesting Information About Insurance Benefits for Temporary Living Expenses ("ALE" or "Loss of Use")
STEP 3: Getting organized and up to speed
- Flood Insurance Claim Basics
- Mold Contamination Insurance Coverage 101: The Basics
- After a Hurricane - Property Damage FAQs
- Frequently Asked Questions About Homeowners Insurance Claims in Texas
- Frequently Asked Questions About Homeowners Insurance Claims in Alabama
- Stay in touch with others insured with your same company
- Speak UP: Tips for Communicating with your Insurance Company
- Collecting insurance benefits for a hurricane damaged car
STEP 4: Getting debris removed
STEP 5: Being pro-active in documenting and valuing your losses
- Insurance Recovery Tips for the Dwelling Part of Your Claim
- The Scoop on "Scope of Loss"
- Tips for Reviewing Adjusters' and Contractors' Estimates
- Xactimate Demystified
- Survivors Speak: Estimating Your Loss
- Samples of Damage and Proof of Loss Documentation
- Mobile / Manufactured Home Insurance Claim Tips
STEP 6: Creating your home inventory and navigating your contents claim
- Home Inventory and Contents Claim Tips
- Sample Letter Requesting Contents Itemization Waiver
- Sample Letter Asking for a Personal Property Claim Settlement
- Sample Inventory/Personal Property Claim Worksheets (Excel doc)
- Depreciation Basics
STEP 7: Making financial decisions
- Underinsurance 101
- Survivors Speak: Coping With Underinsurance
- Buy or rebuild?
- Tax Tips for Disaster Survivors
- Hurricane Tax Filings
- Updating your home insurance after a loss
STEP 8: Choosing a contractor
- Rebuilding 101: A Guide to the Reconstruction Process
- Questions to Ask a Repair/Rebuild Contractor
- What's up with Overhead and Profit?
STEP 9: Working with your mortgage company
STEP 10: Getting help if/when you need it
- Resolving Flood Insurance Disputes
- Resolving Claim Disputes
- Hiring Professional Help
- Filing a complaint with your Department of Insurance
- Texas State Specific Help
- Louisiana State Specific Help
- Alabama State Specific Help
- Mississippi State Specific Help
- Arkansas State Specific Help
Taking care of yourself along the way
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