Dealing with Storm Damage to your Property

11/16/2018 (Permalink)

Dealing with repairs and insurance companies after severe weather hits your property can be difficult. Homeowners can use the following tips to help tackle the storm damage caused by hard rains, flooding, or storm-related issues.

SAFETY FIRST

If you and your family were away from home when the storm hit, do not return until it has been confirmed safe. Contact a storm damage expert like SERVPRO of South East Monroe County; we’ll help you determine if your home is safe to return to.

INSURANCE

You will need to contact your homeowners’ insurance adjuster as soon as possible. If your neighborhood has sustained widespread damage, find out if any special teams of insurance agents, relief workers, or contractors are coming to the area. Check your policy to find out what actions you need to take or talk to your agent to make sure you are following the proper procedures. Not following these actions correctly could result in a reduced claim. Inspect your property and make a list of all damages; take photographs of all noted damage if at all possible.

RECORDING AND DOCUMENTING

Document your neighbor’s damages, as well; this can prevent the insurance provider from downgrading your claim by saying the damage is from your neglect of maintenance or other unrelated issues by giving them a way to compare. Keep a record of all the communication you have with your insurance provider, and don’t do any unnecessary repair work yourself. Hire a trusted storm damage restoration service provider such as SERVPRO of South East Monroe County to handle any repairs.

BE SCAM FREE

Always check the adjuster’s identification. If you are evacuated, ask for money from your claim upfront. If they agree, you will be given a check for an amount that will be deducted from your final settlement. Some providers will automatically offer a partial payment early on during the process. Review it carefully and decline it if you feel uncomfortable with any part of it. Never be afraid to ask questions and to expect an answer that makes sense or seems fair. 

Dealing with a storm's aftermath is stressful, but reacting properly will be an immense help and can prevent problems down the road.

The SERVPRO of South East Monroe County team is ready to help 24/7. Call us for your fire or water damage issues at (585) 641-0040.