Dealing with the Reality of Damage to Your New Home After a Natural Disaster
Safety is always your priority, both during and after a storm or other disaster. While items and even homes can be replaced, people cannot.
Initial Response and Safety Precautions
Be careful of deep puddles, hanging power lines, and similar hazards. If you have to use an electrical generator, follow the safety guidelines.
Documenting the Damage
After you get through the immediate emergency, take lots of pictures of the damage and clean up. Before the storm, make an inventory of your possessions and take videos or pictures of your home so you can show its pre-disaster condition.
Filing a Claim with Your Insurance Company
The next step is to reach out to your insurance company to start a claim. Some insurers offer an online option, while others require a phone call. You should expect long wait times and be patient. It’s essential to keep a detailed record of each step you take.
Additional Tips for the Claim Process
If you also have flood insurance, file a separate claim for it. As the claim process progresses, promptly submit all requested information. Continue to follow up, and then follow up again. Remember that the polite squeaky wheel typically gets oiled first.
Protecting Your Home and Property
Depending on how many claims your insurer receives from the disaster, they may take a long time to react to your claim. During this time, continue to protect your home from further damage, boarding broken windows, tarping the roof if needed, and doing what is necessary to prevent your home’s condition from worsening. Save your receipts for all supplies and repairs to get reimbursed later.
Choosing a Contractor
When hiring contractors, make sure to do your research and find someone local with a long track record. This will help you find a reliable and trustworthy professional for your repairs and restoration needs.
Dealing with damage to your new home after a natural disaster can be a challenging and overwhelming experience. However, by following the steps outlined above, you can ensure that your home is protected and your claim is processed efficiently. Remember to always prioritize your safety and the safety of those around you, and don’t hesitate to seek help when needed.
FAQs
Q: What should I do immediately after the storm passes?
A: First, ensure your safety and the safety of those around you. Document the damage and take pictures of the affected areas. Then, contact your insurance company to start the claim process.
Q: How do I document the damage?
A: Take lots of pictures and videos of the damage and clean up. Make an inventory of your possessions and document the pre-disaster condition of your home.
Q: What if my insurance company doesn’t respond immediately?
A: Expect long wait times and be patient. Keep a detailed record of each step you take and continue to follow up. Remember that the polite squeaky wheel typically gets oiled first.
Q: How do I choose a reputable contractor?
A: Research local contractors with a long track record of success, and check their reputation online. This will help you find a reliable and trustworthy professional for your repairs and restoration needs.
Q: What should I do to prepare for the claim process?
A: Keep a journal of everything that happens and whom you speak with. Take lots of pictures of the damage and clean up. Make an inventory of your possessions and document the pre-disaster condition of your home. This will help streamline the claim process for you and your insurance company.
