When Hurricane Helene passed through the region, it left behind a trail of destruction that affected thousands of homeowners in and around Asheville. From flooded basements and damaged roofs to fallen trees and broken windows, the aftermath was overwhelming for many. Filing an insurance claim is often the first step toward recovery, but the process can be confusing and stressful. This guide will help Asheville residents better understand how to handle Hurricane Helene damage, and how a public adjuster can make a major difference in the outcome of your claim.

Step 1: Document the Damage Immediately

After ensuring your family’s safety, your next priority should be documenting the damage to your property. Take photos and videos of everything—damaged siding, water stains, fallen trees, broken fences, and interior destruction. For Hurricane Helene damage, thorough documentation is critical to support your insurance claim and avoid disputes later.

Step 2: Review Your Insurance Policy

Before contacting your insurer, take some time to carefully review your homeowner’s insurance policy. Understand what is covered, what your deductibles are, and any exclusions or special clauses for hurricane-related damage. Keep in mind that not all policies automatically cover flood damage, even if it's hurricane-related.

If this process feels overwhelming, it’s a good time to consult with an Asheville public adjuster. They can help interpret policy language and advise you on how to present your claim effectively.

Step 3: File Your Claim Promptly

Don’t wait too long to notify your insurance company. Most policies require that you report the loss as soon as reasonably possible. When speaking with your insurer, keep the conversation factual and concise. Avoid speculating about the cause or extent of damage until a proper inspection has been completed.

If your claim is large or complex—as is often the case with Hurricane Helene damage—you may want a public adjuster to step in early and represent your interests.

Step 4: Understand the Role of a Public Adjuster

A public adjuster works for you, not the insurance company. Their role is to assess the damage, compile detailed reports, and negotiate with the insurer on your behalf. They understand how insurance companies work and are skilled at ensuring homeowners receive fair compensation.

In cases like Hurricane Helene damage in Asheville, where storms can cause widespread destruction, insurers may be overwhelmed with claims and may undervalue or delay payouts. A public adjuster in Asheville knows the local codes, pricing, and how to advocate for your specific needs.

Step 5: Follow Up and Stay Organized

Keep a detailed file with all correspondence, photos, estimates, receipts, and notes related to your claim. It’s also a good idea to follow up regularly with your insurance company to check the status of your claim.

Final Thoughts

Filing an insurance claim after Hurricane Helene can be an intimidating process, especially when you’re dealing with physical damage and emotional stress. That’s why many Asheville residents turn to a trusted public adjuster for help. With the right support, you can navigate the claims process with confidence and ensure your recovery starts on solid ground.