When residents of Pennsylvania cautiously returned to their homes to survey the damage in the aftermath of hurricane Sandy, it was bad, but fortunately not as bad as it could have been. hurricane Sandy is considered the second most expensive hurricane in the history of the US, beat out of first place by Hurricane Katrina and affected 24 states after it made landfall in Brigantine, New Jersey on October 29, 2012. It is estimated that Hurricane Sandy caused $65 billion in property damage in the US alone.

Pennsylvania residents escaped the worst of the storm’s wrath, but there was still considerable damage from falling trees, flying debris, strong winds, and flooding. Property owners who were long-sighted enough to have insurance coverage for storm damage are among the fortunate ones, but having coverage is not the same as getting compensation for the damage they suffered. It is a fact that filing Hurricane Sandy claims can be a long and frustrating process, made even more difficult in the absence of complete documentation.

Insurance companies will definitely not make it easy to make hurricane damage claims, especially when it is as widespread as that for victims of hurricane Sandy, or any other major natural disaster for that matter. Despite general sympathy for those that were affected, there are no free rides for making claims; the claimant has the burden of proof in a claim, and may require the assistance of an experienced insurance claims lawyer.

The costs associated with events such as a hurricane is not confined to repair or replacement of property. There are evacuation, temporary shelter and transportation expenses and in the immediate aftermath, medical bills for any injuries sustained. If the policy covers these incidental costs as well, it is important to keep all receipts and documents to prove that these are expenses directly caused by the hurricane.