Navigating Storm Damage Insurance | SERVPRO® of Rockwall/Rowlett
Boom! Storms can hit at any time. They’re not just frightening and dangerous. Storms can be expensive. The Congressional Budget Office notes that American households experience about $34 billion in storm-related losses every year.
In those first hours after a storm, you may be scrambling to recover possessions, locate a missing pet or find a place to stay. At the same time, you may be looking at hundreds or thousands of dollars of repairs. Careful planning can help you cover those costs.
Check Your Coverage. United Policyholders, a nonprofit group that advocates for insurance policyholders, suggests everyone become familiar with their insurance policy before a storm hits. For instance, check the wording of your policy to see whether storm water that backs up from sewers or drains is covered.
Maintain Your Property. Your insurance claim may be weaker if your home was already in poor repair. Always make sure your gutters are clean. Keep your roof in good condition. Take care of any damage as it happens. To help prove your damage was due to a sudden event, keep “before” photos of your house in good condition.
Safety Is No.1. After a storm, make sure you and your family are safe. Check for hazards, such as fallen power lines. You may need to move to a temporary shelter. Do what you can to limit ongoing damage. For example, you may need to place a tarp over a hole in your roof.
Look Into Federal Help. Your local FEMA (Federal Emergency Management Assistance) office may be able to help you find emergency shelter. If the storm has caused widespread damage in your area, FEMA may already have an agent on the ground where you live.
Take Pictures, Take Notes. If your home was damaged, make detailed documentation.
File Your Claim. First, look at your insurance policy. You may not want to file a claim that’s smaller than your deductible. When you’re ready to file, reach out to your company. They’ll assign an agent to help you through the process. Keep records of your conversations with your agent. With persistence, you should soon have your property in tip-top shape again!
We have deep experience working with insurance companies to get claims processed. If you experience storm damage, contact us at any hour for quick assistance.