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The National Housing Trust (NHT) is preparing to process a further 100 claims under its homeowners comprehensive policy (risk insurance), with an expected closing date of August 26.
The increase follows an extension of the time limit for mortgagors whose properties were damaged in recent hurricanes to file claims.
Stefan Clarke, NHT’s corporate risk and insurance manager, assured that the trust had the capacity to handle the expected number of claims.
He said the organisation was deploying resources and streamlining processes across its branches islandwide to ensure affected individuals received support and assistance in a timely manner.
“We have made the process of making a risk claim very simple. You can access the forms and guidance on our website (www.nht.gov.jm) and visit any of our branches. We have representatives ready to serve you and ensure the process is completed smoothly,” Mr Clark told JIS News.
To file a claim, the mortgagor will need to provide a completed form, photos of the damage, a repair estimate, a Tax Registration Number (TRN), and a valid ID. If the claim is being submitted on behalf of the mortgagor, a letter of authorization is also required.
“We urge everyone who has not yet submitted (an application) to do so immediately. So far, we have received approximately 170 applications, which we have begun processing. We expect to process fewer than 300 (applications) this time,” Mr Clark said, adding that the group was relieved the situation had not become more serious.
Most of the claims came from residents of Manchester, St Elizabeth and Clarendon, the areas hardest hit by Hurricane Beryl.
The manager expects this trend to continue until the August 26 deadline and stressed that NHT is committed to transparent communication and continued support during this period.
Mr Clark also advised people to consider improving their home construction, highlighting a trend where around 90 per cent of damage reported during the period was related to roofs.
This is because most people who submit claims to NHT benefit from the organisation’s “build on your own land” loans.
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