Act Quickly After a Storm
Most insurance policies require you to report damage promptly. Contact Compass Insurances as soon as it is safe to do so — do not wait days or weeks before notifying your insurer.
The Claims Process After a Hurricane
Filing an insurance claim after a hurricane is more complex than a standard claim. The scale of damage across the island means insurers and loss adjusters are handling a high volume of claims simultaneously. Understanding the process in advance helps you act quickly and avoid common mistakes that can delay or reduce your settlement.
Step-by-Step Claims Guide
Ensure Safety First
Do not re-enter your property until it has been declared safe by authorities. Check for structural damage, exposed electrical wiring, gas leaks, and standing water before entering. Your safety takes priority over documenting damage.
Photograph and Video All Damage
Before any cleanup or temporary repairs, document all damage thoroughly with photographs and video. Capture every room, every damaged item, and the exterior of the property from multiple angles. This documentation is the foundation of your claim.
Contact Compass Insurances Immediately
Notify your Compass Insurances advisor as soon as it is safe to do so. We will guide you through the claims process, help you understand your coverage, and communicate with your insurer on your behalf. Early notification is important — most policies require prompt reporting.
Make Only Emergency Temporary Repairs
You may make temporary repairs to prevent further damage — for example, covering a damaged roof with a tarpaulin. Keep all receipts for materials and labour. Do not make permanent repairs until the loss adjuster has assessed the damage, as this could affect your claim.
Complete the Claim Form Accurately
Your insurer will provide an official claim form. Complete it carefully and accurately. List all damaged items with descriptions, estimated values, and purchase dates where possible. Inaccurate or incomplete forms can delay your claim.
Cooperate with the Loss Adjuster
The insurer will appoint a loss adjuster to assess the damage. Provide full access to your property and all relevant documentation. The loss adjuster's report will form the basis of your settlement offer.
Review the Settlement Offer
Once the insurer has reviewed the claim, they will make a settlement offer. Review this carefully against your policy terms and the documented damage. If you believe the offer is insufficient, you have the right to dispute it. Your Compass advisor can assist with this process.
Common Issues That Affect Hurricane Claims
Underinsurance
If your property was insured for less than its true replacement value, your payout will be proportionally reduced. This is known as the "average" clause and is one of the most common reasons claims are underpaid.
Flood Exclusions
Standard property policies in Sint Maarten typically exclude flood damage. If your property was damaged by storm surge or flooding rather than wind, you may not be covered unless you have specific flood coverage.
Delayed Notification
Most policies require you to report damage within a specific timeframe. Delaying notification — even while dealing with the immediate aftermath of a storm — can give the insurer grounds to reduce or deny your claim.
Permanent Repairs Before Assessment
Making permanent repairs before the loss adjuster has assessed the damage can complicate your claim. Always obtain insurer approval before undertaking major repairs.
How Compass Insurances Supports Your Claim
As your insurance broker, Compass Insurances acts as your advocate throughout the claims process. We communicate directly with your insurer, help you gather and present the right documentation, and ensure your claim is handled fairly. We have experience managing hurricane claims in Sint Maarten and understand the specific challenges that arise after a major storm.
If you believe your claim has been underpaid or unfairly denied, we can assist you in formally disputing the decision. Our role is to ensure you receive the full benefit of your insurance coverage.
Need help with a hurricane damage claim?
Contact Compass Insurances for claims assistance. We will guide you through every step of the process and advocate on your behalf with your insurer.