The devastation caused by a storm leaves many home owners with feelings of loss and confusion. However, you have to consider money loss from damage done and what you can do about it. Below are some tips to get you in the right direction.
Ensure safety - The best thing you can do is vacate your home if excessive damage has been done. Water puddles, down power lines, and mold pose definite dangers to your family and yourself. Pack a few belongings and some clothing but be careful and aware of your surroundings. Ensure that your home is checked for any dangerous elements before you return.
Seek government assistance – Storm victims have the right to contact federal emergency management agencies for direct assistance with short term housing, food, home repairs, etc. They can also assist you with turning in an insurance claim. Get in contact with a representative in your area and enquire about assistance.
Make record of damage – for your financial protection you should document damages as soon as you can so your insurance company can assess what they will cover. Take pictures of damaged areas and report any major damage done such as exposed power lines, broken or damaged walls, mold, roof damage, and other areas. A bonus idea is to have photos of what your home looks like before the storm – if you thought about it – to give a comparison to your insurance company.
Contact your insurance company – notify your insurance agency as soon as possible. They will assign you an agent who will help you assess the damage done and let you know how and when you can claim. The processing time is rather long but most policies will take care of all costs once you have paid the deductible.
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