Hurricane Irma Damage --Claims process starts

[Kerry Baird]

Sadly, the entire ridge cap of an expansive copper roof blew off during Hurricane Irma.  Water comes in through the venting at the roof ridge and runs under the copper.  

I called my agent, who is still out of power, and got an auto-responder saying to contact the insurer.  The insurer's webpage says to contact the agent.  Nice loop we've got here already.

I've got a commercial property policy with Lloyds of London; the property was going to be vacant for a six month renovation.  It has wind/hail coverage and says "replacement cost."  I got an additional flood policy.  

I figure I will start a discussion for those of us who are making our way through the new process of filing a claim for damage during the recent hurricane season.

Comments, suggestions and discussion are welcome.  I'm not sure how to navigate these insurance waters, but plan on posting back as I learn. ~Kerry