After the Storm: Tips For Filing Insurance Claims In D.C.

Those in the District whose house or other property sustained damage from hurricane Irene should take care to review certain guidelines before filing a claim.

Officials from the District's Division of Insurance, Securities and Banking suggest residents keep a few things in mind before filing an insurance claim.

First, call the adjuster right away. Certain policies require notification of the insurance carrier within a certain time period.

Also, don't make permanent repairs until the insurance company has inspected the property and you've made an agreement on the cost of repairs. Unauthorized repair could delay or prevent a benefit payment from your insurance carrier.

Alternatively, homeowners should make any repairs necessary to prevent further damage to your property like covering broken windows, or leaking roofs and save all the receipts.

Finally, it's important to remember that all settlement offers from insurance companies can be negotiated. D.C. residents who suspect they're being treated unfairly can contact the D.C. government's insurance department.