Storm Damage Restoration: Homeowners Insurance

Storm Damage Restoration can be a daunting task; it is even more difficult when you live in an area prone to severe weather. To minimize the impact of any potential flooding, and to make repairs easier and faster, it is advisable to have advance notice of any upcoming weather events. If possible, try to secure your home against possible flooding and damage. Have a plan for all outside parties, and make arrangements for a rental car during a power outage. You can check and review your property or current condition.

With your mobile phone or camera, take pictures and videos of any storm damage, including cracks in the roof, missing trim, ripped siding, missing molding, missing insulation, missing drywall, broken light bulbs, etc. These pictures and videos will serve as evidence if you need to file a claim with your insurance provider. You should document each item. You should also make notes about any safety precautions you took prior to the natural disaster, including the locking of doors and windows, closing off water sources, removing items from upstairs rooms, etc. In case you are not able to take pictures or video, follow any instructions from your insurance company.

Before you begin your Storm Damage Restoration project, inspect the roof thoroughly for any debris that may cause further problems down the road. Check the attic also for any wetness or water. Take photographs of your roof and your attic, including any damage that you find. Storms cause extensive damage to roofs; verify that the roof is stable and structurally sound. If you see a leak or some other form of damage on your roof, take photographs and videos, including any holes or tears you may find.

You can start your Storm Damage Restoration work by collecting all your valuables and personal belongings, then moving them to a secure storage facility. Do not attempt to dry out your belongings while they are at risk of mold and mildew growing. Transport all wet or damp items to a safe location, then place them in a sealed bag and label it. When you return to your home after the storms, you can place the bags of belongings back on your property. For major home repairs, consult your insurance provider.

After your Storm Damage Restoration, it is important that you practice safety techniques to make sure you and your family remain safe during the clean up efforts. Remember to never run down power lines or try to fix anything that may be broken. For major repairs or for other emergency situations, call the National Response Center right away. There you will be provided with contact information for local and state emergency agencies. Your local government and media outlets will help you through the recovery process. If you are unable to access your home following a storm, contact the proper emergency agencies and ask for emergency transportation assistance.

After your Storm Damage Restoration work is complete, it is important that you follow your homeowners insurance policy guidelines to ensure you have the insurance coverage you need. If your Storm Damage is severe enough, your homeowner’s insurance will pay for the cleaning and repair of your home. You should consult your insurance provider regarding the specifics of your policy. In many states, you will be responsible for replacing all carpeting, linoleum, upholstered furniture and appliances, as well as all interior surfaces such as walls and floors. Make sure you know what your homeowners insurance covers and be certain to double check your documents before you bring your damaged items into the house.

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