Claims Process

About six months out of the year we are exposed to the possibility of a hurricane occurring. Preparation is the necessity for your survival and for the protection of your property. However, in the event of a Hurricane loss, you should:

1. Review your homeowner's policy documents to confirm that your property is covered for Hurricane losses.
2. Submit Hurricane Claim Form
3. Secure your property from further losses.

Thereafter, all documents will be forward to Bahamas First's Hurricane Centre for processing. The Hurricane Centre will appoint an external adjuster to confirm damage to your property, review estimates for such repairs, and with authorization for Bahamas First discuss settlement with you. In, addition if you have estimates and photographs of damages you can submit those to assist with the process.

1. Contact your agent to ensure your coverage includes catastrophe perils
2. Ensure that the sum insured is adequate and reflects the replacement value of the building and contents as there are penalties for underinsurance
3. Ensure that your home and belongings are adequately protected.

Remember, hurricane preparedness, and knowing how to respond is key to helping you cope during and after a catastrophe occurs.