Storm Daniel struck the northeastern coast of Libya in early September 2023, causing extensive damage. Major areas affected included Derna, Benghazi, Al Marj, Al Bayda, Shahat, Susah, and Al Tamimi. The storm resulted in the destruction or damage of around 10,000 buildings and more than 250 kilometers of roads. In Derna alone, an estimated 870 buildings were reduced to ruins and 3,100 showed considerable damage. The storm’s impact extended beyond residential areas, affecting infrastructure and other types of buildings as well.
Public Adjusters for Commercial Property Damage and Residential Homes in Libya
File an Insurance Claim with a Trusted Public Adjuster in Libya
Picking up the pieces after a flood can be frustrating and overwhelming, but you don’t have to take on the challenges by yourself. WorldClaim will come to you and guide you through the entire process. We can help you complete the insurance claim form and step in from the very beginning, or you can contract our flood insurance claim assistance services after filing a claim.
Our team of experts will review your policy, assess the damage, and prepare all the necessary reports for the negotiation and settlement of your claim. We are diligent about making sure our clients receive everything they are entitled to according to their losses and the terms of their policies. With more than four decades of experience around the globe, WorldClaim has the necessary expertise to fight for you.
Assess the Damage
With as little as 6 inches of moving water capable of knocking adults off their feet and uprooting trees, floods can cause varying degrees of destruction. In addition to structural damage and damage to outdoor spaces, flood waters can also transport hazardous materials, sewage, and chemicals that pose an additional safety risk.
That is why it’s essential to prioritize human safety and well-being first. Because of the potential for contamination and other hazards like electrical damage, it’s vital to proceed with caution as you get started. Dangers like electrocution can be entirely invisible. Once the flood waters recede, wait for local, state, and federal officials to give the okay for people to return to the area. At that point, you can begin evaluating the damage left behind, which is the next important step toward recovery.
Be on the lookout for structural damage, gas leaks, and downed power lines. Use a notebook or take notes on your phone or mobile device and take photos and videos during the assessment to support your flood insurance claim. The more details you can capture, the more thorough and accurate your claim will be when reporting your losses.
Some of the most common flood property damage includes:
- Buckling floors, cracks in foundations, soaked drywall, and roof damage
- Broken or frayed electrical wires and other electrical damage
- Compromised appliances, including HVAC systems, stoves, refrigerators, and electronics
- Downed electrical and communication lines
- Drinking water contamination
- Introduction of chemicals and other pathogens from flood water
- Mold and mildew
- Clogged or inoperable sewage systems
- Debris carried onto properties and into homes, including sharp objects
- Washed out landscaping, uprooted trees, and downed limbs
- Landslides, damaged roads, and washed-out bridges
Document the Damage of the Storm Daniel Floods with the help of WorldClaim
The mess and extensive damage left behind after a flood can leave business owners and residents feeling overwhelmed. By documenting the damage and loss of property sustained during the Storm Daniel floods in Libya, you can quickly start the recovery process.
When possible, policyholders should prepare written documentation that includes item names, brands, purchase years, serial numbers, purchase prices, and estimated costs of replacement. Include any receipts you have along with your claim and take photos and videos to help provide evidence of the full extent of the flood damage.
WorldClaim’s team of building estimators, personal property specialists, and licensed public adjusters will work with the insurance company’s adjusters to determine the scope of the damage. We will walk through the property and take clear shots from multiple angles of interior spaces, the exterior of the home or building, and all areas of the property. Thorough documentation of interior rooms, exterior structures, and outdoor spaces, even those without evidence of damage, is essential. Doing so provides contrast and can be helpful later during the recovery process, particularly because damage is not always obvious from the outset.
Our caring, knowledgeable team will work with you to document damage to all areas, including:
- Building interiors, including hallways, floors, ceilings, walls, and architectural and structural elements
- Electronics and equipment, including HVAC systems, water heaters, appliances, and IT devices
- Water-damaged personal belongings, including furniture, vehicles, and outdoor items
- Interiors of crawlspaces and basements, attics, and closets
- Landscaping and exterior structures
Focus on What Matters: We Negotiate with the Insurance Company for You
When recovering from a crisis, you should be able to focus on your safety and the well-being of those you care about. Getting back to your life and business as usual is top priority.
WorldClaim can handle the entire negotiation process on your behalf, freeing you to direct your attention and efforts where they are needed most. The insurance company’s adjusters will be advocating for your insurer — we will advocate entirely for you.
We start by ensuring you have adequate, detailed documentation of all flood damage and making sure all repairs and replacement costs are accounted for on the claim. Our team will handle every part of this potentially time-consuming process and keep you updated throughout every step.
To begin, we study your insurance policy, noting all exclusions, limitations, and coverage details. This is an essential step, particularly in cases like floods because some policies may include a clause that excludes flood damage. From there, we will assess the insurance company’s initial offer and compare it to the losses you have sustained and the terms of your coverage. We will file any necessary appeals and handle all communication on your behalf.
Recovery from Storm Daniel
Keeping calm and reaching out for help are among the key steps you can take toward recovering from Storm Daniel. Additionally, you will likely need personal protective equipment like rubber gloves and boots to protect you while you assess wet homes and buildings — and that’s just one of the factors to consider.
Although many homeowners are able to get a start on cleanup by removing water-soaked personal belongings and other damaged items, that is only the beginning. Recovering from a flood requires a coordinated effort. Contact your local emergency management office to talk about the damage your property sustained. Investigate state and federal resources for help with shelter, hot meals, and necessities to help as you embark on the recovery process. Consider learning more about available aid by visiting DisasterAssistance.gov.
We can be another resource to help smooth the path ahead. WorldClaim has more than 40 years of experience helping individuals, businesses, and governments pick up the pieces after floods and other natural disasters. We will support you throughout the flood recovery process, guiding your next steps and assisting with filing a flood insurance claim.
Contact Us to Get the Most from Your Policy with Worldclaim’s Public Adjusters
Flood waters can be incredibly destructive and dangerous. Downed wires, structural damage to homes and other buildings, and damage to appliances and electronics are among the common issues with floods like [flood name].
Acting quickly is imperative. One call to WorldClaim, and you gain access to experienced licensed public adjusters working tirelessly on your side. From documenting damage to finalizing settlements — and everything in between — we will be there for you.
Website: https://worldclaim.net
Email: adjusters@worldclaim.net
Phone: U.S.: (800) 470-4700
International: (518) 456-8523
Storm Daniel Floods Frequently Asked Questions
What Should You Consider Before Filing a Flood Insurance Claim in Libya?
Once the flood waters recede and local authorities give you the green light that it’s safe to return, prioritize assessing your property. Document all damage, including to building structures, electronics, appliances, HVAC systems, plumbing, and landscaping. Take videos, photos, and detailed notes along with recording purchase dates, serial numbers, and receipts for your belongings.
Will Worldclaim Charge Me for Its Services?
WorldClaim never charges any upfront fees or costs. To begin the process, schedule a free consultation. During that meeting, our team will review the damage sustained, along with the details of your policy. Once we determine that we will be able to help, we will intervene on your behalf and give you 110% effort every time. We charge a percentage of the proceeds you receive in your settlement, ensuring you don’t have to deal with any out-of-pocket expenses related to us.
Will I Still Need to Communicate with My Insurance Company After Hiring Worldclaim?
Once you hire WorldClaim, we will contact your insurance company and direct them to send all correspondence to us. We can handle the entire process from the very beginning or step in after you file a claim. Either way, we will communicate with your insurer and keep you regularly updated on the progress and actions related to your claim.
How Long Does It Take to Process an Insurance Claim?
Typically, it can take anywhere from a few weeks to months for a claim to be processed. Each circumstance is unique, and the timeline will depend on your specific situation. You can rest assured, however, that WorldClaim will ensure that the process moves as swiftly as possible.
What If My Insurance Claim Is Denied?
The WorldClaim team will fight for you to receive everything that is owed to you under the terms of your insurance policy. We have extensive experience in handling denials and coverage questions and will work tirelessly on your behalf.
Will I Need to Pay Upfront for Any Restoration or Repair Work?
Any upfront payments you are required to make depend on the terms outlined in your insurance policy. WorldClaim can help you navigate repairs and restoration. We can also provide recommendations for contractors to work with and explain all the limitations and liabilities outlined in your policy.
