When Hurricane Helene swept through Asheville, it left a trail of damage that impacted homes, vehicles, and local businesses. As residents begin the process of recovery, one of the most pressing concerns is how to properly file an insurance claim. Understanding the steps involved can make a huge difference in how quickly you receive compensation—and how much support you ultimately get.

In this blog, we’ll walk you through the key steps to take when filing a Hurricane Helene insurance claim in Asheville, including tips to avoid common mistakes.

Step 1: Document the Damage Immediately

As soon as it's safe to do so, begin documenting all visible damage caused by Hurricane Helene. Use your smartphone or camera to take detailed photos and videos of your property, including interior and exterior damage. Be sure to document not only structural damage but also any belongings or furniture that may have been destroyed or affected.

This visual evidence is crucial when filing a Hurricane Helene insurance claim in Asheville, as it will support your case and help validate your losses to the insurance adjuster.

Step 2: Review Your Insurance Policy

Before contacting your insurance company, review your homeowner’s or renter’s insurance policy carefully. Pay attention to your coverage limits, deductibles, and exclusions—especially those related to wind, water, and flood damage. Not all hurricane-related losses are automatically covered, and in some cases, additional flood insurance may be required.

Understanding what your policy includes will give you a better idea of what to expect from your claim.

Step 3: Contact Your Insurance Provider

Notify your insurance company as soon as possible. Most insurers have a time limit for filing a Hurricane Helene insurance claim in Asheville, and delays can complicate or reduce your payout. Be ready to provide your policy number, the date and time of the incident, and a brief description of the damages sustained.

Your insurer will likely send an adjuster to inspect your property. Be present during the inspection, and provide all documentation, including photos, videos, and receipts for damaged items.

Step 4: Keep Detailed Records

From the moment you begin the claims process, keep a dedicated folder—physical or digital—for all communication with your insurance company. Include emails, call logs, claim forms, estimates, and invoices. If you need to make temporary repairs to prevent further damage, save all receipts for reimbursement.

This level of organization is especially important when dealing with a Hurricane Helene insurance claim in Asheville, where large numbers of claims may delay processing.

Step 5: Seek Help If You Need It

If you feel overwhelmed or if your claim is denied or underpaid, consider seeking help from a public adjuster or an attorney who specializes in insurance claims. These professionals can help ensure you receive the full compensation you’re entitled to.

Additionally, local and state resources may offer assistance for residents affected by Hurricane Helene. Check with the City of Asheville’s website or North Carolina’s emergency management office for updates.

Final Thoughts

Filing a Hurricane Helene insurance claim in Asheville doesn’t have to be stressful if you follow the right steps and stay organized. By acting quickly, documenting thoroughly, and understanding your coverage, you can protect your financial future and focus on rebuilding your life and home.