Jamaica’s Financial Services Commission (FSC) has published a checklist for policyholders with open Hurricane Melissa claims to clarify delays, outstanding requirements and responsibility for the next action. Claimants should ask their insurer or broker what stage the claim has reached, why any assessment or payment remains outstanding, and when they will receive another update. The guidance follows an earlier FSC notice outlining temporary registration arrangements for overseas loss adjusters handling claims from the hurricane.
Policyholders should request a single list of outstanding documents or actions, confirm how receipt will be acknowledged and retain proof of submission. Where payment has been agreed, they should establish whether anything remains to be completed and when payment is expected. Those receiving partial payments should clarify what they cover and whether they are interim or final. Claimants disputing an offer should request a written breakdown and the policy terms applied, then explain the point of disagreement. If clear answers remain unavailable, policyholders should seek written reasons and a review through the insurer’s complaints process, contacting the FSC for guidance if the concern remains unresolved.