Minimize the Financial Strain of Storm Damage

5/9/2022 (Permalink)

Storm damage can hit you hard in the pocket book. According to the Congressional Budget Office, American households experience about $34 billion in storm-related losses every year. You can take several steps to help reduce the financial impact  of storm damage.

Check Your Coverage. Go over your insurance policy before a storm hits. You may be covered for wind and water damage, but only from certain sources. For instance, check the wording of your policy to see whether storm water that backs up from sewers or drains is covered. Talk to your insurance agent if you need help understanding your coverage.

Perform Due Diligence. If your property has existing damage, your insurance company may deny your claim. To help prove your damage was due to a sudden event, keep “before” photos of your house in a safe and easy-to-access place.

Protect Yourself. After a storm, you should first get yourself, your family and your pets to safety. Then check your house for hazards, such as standing water. You may need to evacuate your home if you can’t quickly fix the most urgent problems.

Check Out FEMA Help. If you need help finding a place to stay, getting urgent repairs or even getting a hot meal, call your local FEMA (Federal Emergency Management Assistance) office. Depending on how widespread the damage was, FEMA may have an agent deployed where you live.

Document Everything. As you prepare your claim, make detailed records. Take pictures of mold, missing shingles and everything in between.

Time to File. When you reach out to your insurance company, they’ll assign an agent to help you through the process. Be persistent and specific in your claim. Keep careful records of your conversations with your agent. With dedication, you should soon have your claim met and your property in tip-top shape again!

We have many years of experience working with insurance companies to get claims processed. If you live in Marshall, Hardin, Grundy or Tama County and experience storm damage, contact us at any hour for quick assistance.