If you’re an Asheville resident impacted by Hurricane Helene, you’re not alone. Storm damage can be overwhelming, both emotionally and financially. The good news is that your insurance policy may help you recover. But to get the compensation you deserve, it's crucial to understand the proper steps involved in filing a storm damage claim.
This step-by-step guide will walk you through how to file a Hurricane Helene insurance claim in Asheville, so you can begin the process of recovery with clarity and confidence.
Step 1: Assess the Damage Safely
Before you contact your insurance company, inspect your property — but only after it’s safe to do so. Avoid downed power lines, unstable structures, and floodwaters. Take photos or videos of all visible damage to your home, roof, vehicles, and belongings. These visual records are key evidence for your claim.
Step 2: Review Your Insurance Policy
Carefully review your homeowners or renters insurance policy. Look for information related to wind, flood, and hurricane damage. Understand your deductible, what’s covered, and any limits or exclusions. If you have separate flood insurance through FEMA or a private provider, review that policy as well.
If you’re unclear about your coverage, contact your insurance agent for clarification — especially when it comes to a Hurricane Helene insurance claim in Asheville, where policy terms can vary based on the type of storm damage.
Step 3: Contact Your Insurance Provider
File your claim as soon as possible. Most insurers allow you to start the claims process via phone, online portal, or mobile app. When reporting your claim, provide:
Your policy number
The date and time the damage occurred
A general description of the damage
Photos or videos of the affected areas
Request a claim number and the name/contact info of the claims adjuster assigned to your case.
Step 4: Prevent Further Damage
Insurance policies typically require homeowners to take “reasonable steps” to prevent additional damage. This could include:
Tarping a leaking roof
Boarding up broken windows
Removing water-damaged furniture
Keep all receipts related to temporary repairs — these may be reimbursable under your policy.
Step 5: Meet with the Claims Adjuster
An insurance adjuster will visit your home to inspect the damage. Be present during the inspection and provide any documentation you’ve collected. It helps to create a detailed list of damaged or lost items, including their value and purchase date, if possible.
If you feel the adjuster’s estimate is too low or doesn’t cover certain damages, don’t hesitate to ask questions or get a second opinion from a licensed contractor.
Step 6: Keep a Record of All Communication
Document every interaction you have with your insurance company — emails, calls, letters, and in-person meetings. Save copies of all forms and correspondence related to your Hurricane Helene insurance claim in Asheville. These records can be critical if a dispute arises.
Step 7: Receive Payment and Begin Repairs
Once your claim is approved, your insurer will issue payment according to the terms of your policy. Depending on your mortgage lender, funds may be released in stages as repairs are completed.
Be sure to hire licensed and insured contractors for the work — especially those with experience in post-hurricane repairs.
Final Thoughts
Filing a Hurricane Helene insurance claim in Asheville may seem daunting, but knowing what steps to take can make all the difference. Acting quickly, documenting thoroughly, and staying informed will help you get back on your feet faster. And remember — if you run into issues with your claim, consult a public adjuster or legal professional to ensure your rights are protected.
