In the aftermath of Hurricane Helene, many residents are dealing with the heartbreaking reality of damaged or destroyed homes. While the storm has caused widespread devastation, it’s important to know that you’re entitled to financial assistance—whether through your insurance company or federal disaster relief programs. Experts have outlined the steps homeowners should take to ensure they receive the compensation they are entitled to.

1. Document the Damage Immediately

One of the first steps in the claims process is to document the damage to your home. This includes taking clear photographs and videos of all affected areas, both inside and outside the property. “The more detailed your documentation, the stronger your claim will be,” experts say. Ensure that you capture not only the structural damage but also any belongings that were destroyed.

It’s also crucial to create a written inventory of damaged items, including their approximate value. This documentation will serve as evidence when you submit your insurance claim or apply for federal assistance.

2. Contact Your Insurance Company Promptly

Once you have documented the damage, contact your insurance company as soon as possible. Filing a claim early will help expedite the process, as insurance companies may be handling thousands of claims after the hurricane. When you speak to your insurance representative, be clear about the extent of the damage and provide them with the documentation you have collected.

Experts advise homeowners to keep detailed records of every conversation they have with their insurer, including the names of the representatives they speak with and the dates of contact. This will help if there are any disputes later in the process.

3. Understand Your Insurance Policy

Before filing a claim, it’s important to carefully review your insurance policy. Some policies may cover wind damage but exclude flooding, which is a common issue after hurricanes. If you have flood insurance, make sure to file a separate claim for water-related damages. Knowing what your policy covers will help you avoid surprises and ensure you receive the full amount you’re entitled to.

4. Apply for Federal Assistance

If your home was severely damaged and insurance does not cover all the costs, you may be eligible for federal disaster assistance through the Federal Emergency Management Agency (FEMA). To apply, visit the FEMA website or call their helpline. Make sure to apply as soon as possible, as there may be deadlines for submitting claims.

FEMA can provide grants for temporary housing, home repairs, and other disaster-related expenses. In some cases, the federal government may also offer low-interest loans for rebuilding efforts.

5. Be Prepared for a Lengthy Process

Finally, it’s important to be prepared for a potentially lengthy claims process. Insurance claims, especially after a major disaster like Hurricane Helene, can take time to be processed. Be patient but persistent, and follow up with your insurance company regularly to ensure that your claim is moving forward.

“It’s critical to stay organized,” experts emphasize. Keep a file with all relevant documents, including repair estimates, receipts, and any correspondence with your insurer or FEMA. This will help you stay on top of the process and ensure that nothing falls through the cracks.

Recovering from the devastation of Hurricane Helene is no small feat, but by taking these steps, homeowners can ensure they receive the compensation they are entitled to. From documenting the damage to filing claims with both your insurance company and FEMA, being proactive and organized is key to navigating the aftermath of this natural disaster.