When a storm hits, it can cause damage to your home. Fortunately, you can take some precautions to protect your home and your belongings. You can also use your insurance policy to help you claim the costs of any storm damage.
Signs Of Storm Damage
The best way to mitigate the damage wrought by a storm is to inspect your property for the obvious signs of life. A quick scan of your roof and basement will reveal any number of loose or missing shingles and dents in the walls. Check the downspouts for gravel that could clog the egress. If you see a couple of stray cats and a few displaced birds, it’s time to call a reputable storm damage specialist.
After a big wind gust, it’s time to start the process of making sure your home isn’t the next victim of a major hurricane or tornado. Keeping a close eye on your property will go a long way in ensuring a safe and happy home for years to come. While storms are not uncommon in the South, it’s never a bad idea to be prepared should one occur. Having the right tools and supplies on hand will ensure a speedy and safe recovery.
Precautions To Take After A Storm
There are several precautions to take after a storm to help you speed up the process of storm damage restoration. In addition, these steps will keep you safe.
The first thing you should do is check your home for signs of damage. This includes checking your walls and ceilings, basement, and attic. If you suspect your house has suffered structural damage, call an electrician or a licensed contractor for an assessment.
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Next, you should turn on the television or radio and listen to news coverage of the storm. If there are any reports of floods, you should evacuate immediately.
Before leaving, look for any downed trees or power lines. Avoid walking through water. Never climb down into an attic that is not securely locked.
Floodwater can contain sewage and other hazardous materials, which can lead to health hazards. You should also be aware that animals may be caught in floodwater.
Be sure to have enough supplies for your household. It is a good idea to have a go bag packed with emergency items and supplies.
Claiming Storm Damage On Your Insurance Policy
If you have suffered from a hurricane or other severe storm, you probably want to get your insurance claim paid as soon as possible. You may be wondering what exactly you need to do to get your insurance company to pay you.
The best way to start is by calling your insurer. They will assign an adjuster to inspect your home for damage. Your adjuster will then give you an estimate of what you can expect to receive in the form of compensation.
Your insurance company will be able to pay you a check for the repairs, but they may require you to pay a deductible before they do so. Deductibles are typically between two to five percent of the insured value of the property.
In the past, it was common for homeowners to have to pay a number of deductibles for different types of damages. However, some insurance companies now offer a single, flat dollar amount deductible for windstorms. This can save you money.
Restoring Your Roof After A Storm
A storm can leave damage that can be hard to spot. It can tear off shingles or leave dents and punctures. These types of damages can affect the entire house.
If you are affected by a storm, you should immediately call your insurance company. The company can send an adjuster to inspect your home. They will then give you an estimate of the cost of repairs. You will have twelve to twenty-four months to make a claim.
If your roof is damaged, you may need to hire a contractor. An experienced roofing contractor in Sanibel Island FL will be able to help you clear the debris and repair your roof.
During a storm, you should not climb up on the roof. The roof is likely to be unstable, and you need to keep your hands away from nails and sharp objects. Also, be sure to secure your property so it does not fall further.
After you check your roof, take pictures and videos of the damage. This will allow you to file an insurance claim.