4 STEPS TO FOLLOW AFTER STORM DAMAGE

4 STEPS TO FOLLOW AFTER THE STORM HITS

Your heart sinks and your mind races after a storm hits and damages your home. What should you do? Can you fix anything yourself? Should you start calling contractors? Help!

Below are the basics of homeowners insurance and storm damage.

Step One: Assess the Storm Damage, Take Photos

Once the storm passes and it’s safe to go outside, inspect your property. Use your camera or smartphone to take photos and videos of the damage. Always put safety first. Avoid downed power lines, standing water, and other hazards. You can always document damage later, but you can’t replace your safety.

Step Two: Stop the Bleeding  

If wind or water is entering your home, take temporary steps to prevent additional damage. Cover broken windows with plywood or a tarp, and protect any exposed areas until permanent repairs can be made.

Step Three: Save Receipts, Stay Organized

Keep all paperwork, receipts, and records related to the damage and repairs. Staying organized now can prevent headaches later. Your insurance company may reimburse many of these expenses, so be sure to save every receipt.

Step Four: Call Your Insurance Company Soon and Often

Call your insurance company’s claims department as soon as possible. If you don’t have the phone number, search your insurance company’s name along with “claims” to find the correct contact information. Stay in communication with your insurance company throughout the claims process. They can explain what to expect and let you know when an adjuster will visit your property. Be cautious of contractors who show up uninvited and pressure you to sign a contract immediately. While many contractors are honest and reputable, storm chasers and scammers often target neighborhoods after severe weather. Talk with your insurance company before authorizing any repairs, and get as much as possible in writing. If you suspect fraud, report it to the National Insurance Crime Bureau (NICB). A reputable contractor can also help guide you through the insurance claims process.

What Is and Isn’t Covered After Storm Damage

Your homeowner’s insurance policy will cover three areas: Weather damage (hail, wind, fire, snow, etc.), non-weather events (theft, vandalism, etc.), and sudden/accidental events (water pipe breaks).  Acts of God are covered.  But there are exceptions.  The biggest exception is flood damage.  Across the board, regardless of carrier, flood damage is not covered. No homeowner’s policy covers you for a flood.  If you are interested in flood coverage, visit the national flood insurance program, FloodSmart.Gov.

Do Your Homework to Make Your Home Work

Homeowners insurance doesn’t need to be scary and complicated. Understanding the basics of your policy and knowing what to do after your home is damaged can make the recovery far less painful.