Handling Storm Damage to Your Home
When a storm hits a city, it’s easy to think that severe damage “won’t happen to us.” However, if your home suffers significant destruction, you might feel overwhelmed. Knowing what to do and when to do it can make a substantial difference.
From assessing the damage to dealing with your insurance provider and finding temporary accommodations, managing the situation requires quick action and attention to detail. These skills can be hard to muster in a crisis.
This comprehensive guide offers information and advice on navigating storm damage. It ensures you make informed decisions during a crisis and are prepared for future emergencies.
First and Foremost: Safety
Quick Tip: Assemble a “go bag” with an emergency kit, blanket, food, water, and essential documents, so it’s ready to grab at a moment’s notice.
Personal Protection
Document Protection
After ensuring personal safety, if possible, retrieve and protect essential documents and cherished items:
- Collect important documents such as passports, birth certificates, insurance policies, and property deeds.
- If time permits, gather irreplaceable photographs or personal items.
- Store these items in a waterproof container or zip-top bag to safeguard against water damage.
Keep in mind that while items and property can be replaced, lives cannot. Always prioritize safety in severe weather situations. If you are in immediate danger or if storm damage has made your home unsafe, contact local authorities or emergency services right away.
Assessing the Damage
Understanding the Extent of Storm Damage
Contacting your insurance after storm damage can be daunting. Before making the call, take some time to assess the damage as thoroughly as possible. Begin with a visual inspection of your property to identify obvious issues. Look for broken windows or a damaged roof from fallen trees. Be sure to avoid any potential safety risks. If your home is at risk of collapse or has electrical hazards, conduct your survey from a safe distance.
It’s crucial to document the damage comprehensively. Take photos or videos of all affected areas, capturing the details needed for your insurance claim. This initial assessment will help you communicate effectively with contractors and insurance representatives, leading to a more accurate and efficient restoration process.
Next, consider having a professional inspector evaluate the damage. They can provide expert insight into hidden problems, such as water damage or potential mold growth, that might not be immediately apparent.
Tip: Using your cell phone to take photos or videos of the damage can help address any questions your insurance may have. Be prepared to provide as much documentation as possible.
Assessing Safety Concerns
Recognizing hazards is crucial, as some areas of your home may no longer be safe. Look for signs of structural damage, such as cracks in walls or ceilings, sagging floors, or leaning walls. Water damage can destabilize once-secure structures, making them prone to collapse under the added weight. Be cautious of rooms with standing water, exposed wires, or damaged gas lines. If you detect a gas smell or hear hissing sounds, evacuate the area immediately and contact emergency services.
Water and electricity are a dangerous combination, so ensure you turn off the power at the breaker box before entering any flooded areas, such as a basement. If you’re unsure how to handle the situation safely, it’s best to wait for a professional to assess and manage it.
If you have concerns about the safety of your home, wait for a professional to conduct a thorough inspection. Their expertise is vital for identifying and addressing potential hazards, ensuring that any unsafe conditions are resolved before repair work begins. This approach minimizes further risks and ensures a safer, more effective restoration process.
Navigating Insurance Claims
Contacting Your Insurance Provider
After you’ve carefully documented the damage, the next step is to reach out to your insurance provider. It’s important to do this as soon as possible, as prompt action can significantly impact the claims process. Have your policy number and relevant documents ready when you call, and be prepared to provide a clear description of the damage and answer any initial questions they may ask.
Your insurance company will likely send an adjuster to evaluate the damage in person. It’s beneficial to be present during this inspection to ensure that all the damage you’ve noted is accurately recorded. This is also the perfect time to discuss temporary accommodations if your home is no longer livable. Many insurance policies offer coverage for living expenses while your home is being repaired, so don’t hesitate to ask about this.
Throughout the process, keep a detailed record of all communications with your insurance company, including phone calls, emails, and in-person meetings. Staying organized can help simplify your claim and ensure you receive the compensation you’re entitled to in a timely manner. Remember, this is a challenging time, and your insurance provider is there to support you through the recovery process.
Understanding Your Coverage
Before filing a claim for storm damage, it’s crucial to understand what your insurance policy covers. Policies can differ greatly, and not all types of damage may be included. Take the time to review your policy carefully to determine what specific types of damage are covered, such as wind, rain, or damage from fallen trees. Be sure to note any exclusions that could impact your claim.
Additionally, be aware of your deductible—the amount you must pay out-of-pocket before your insurance begins to cover costs. Knowing this figure will help you plan and budget effectively for the repair process.
If you’re unsure about any details in your policy, don’t be afraid to reach out to your insurance provider for clarification. It’s important to get a clear picture of what’s covered so you’re not caught off guard later and know exactly what benefits you’re entitled to.
Getting a solid understanding of your insurance coverage will help you make smart choices about repairs and ensure you can advocate for yourself throughout the claims process.
Finding Temporary Accommodations
Knowing Your Accommodation Needs
If your home is too damaged to stay in, you’ll need to find a temporary place to live. Start by figuring out your needs: the size of your family, how long you’ll be displaced, and any special requirements like accessibility or pet-friendly options.
Check if your insurance covers temporary housing costs by reviewing your policy or talking to your insurance provider. Coverage might include hotels, rental homes, or furnished apartments. Try to choose a place that’s reasonably close to your home and work to keep your routine as normal as possible.
Make sure to keep all records and receipts for accommodation expenses. Even if you’re not sure if your insurance will cover them, having detailed records will help with your claim and ensure you get reimbursed for any out-of-pocket costs.
Finding the right temporary place can make a big difference in maintaining some stability and comfort while your home is being repaired.
Finding the Right Short-Term Home
Choosing the right temporary home means balancing comfort with convenience. When picking a place, think about its proximity to your work, your kids’ schools, and essential services. Ideally, your temporary home should help keep your family’s routine as stable as possible.
Check out the amenities provided. A full kitchen can save on food expenses and keep things feeling normal. In-home laundry facilities are a must for longer stays. If you’re going with a furnished rental, make sure to confirm what’s included—furniture, housewares, linens, and utilities.
Consider temporary housing providers such as Aplus Housing, known for their flexible lease options, since rebuilding delays from contractors or insurance issues are common.
Finding a temporary home that meets your needs can greatly ease the stress of displacement. Make sure your insurance company places you in a residence that offers similar comfort and convenience as your own home. If you’re uncertain about your options or have concerns about how your insurance is handling your situation, don’t hesitate to reach out to us for assistance.
