Tending to Your Home After a Natural Disaster

Tending to Your Home After a Natural Disaster

While no one ever wants to experience a natural disaster, the reality is that many of us live in areas that are at risk of severe damage and destruction from such phenomena. From hurricanes to tornadoes to earthquakes and flooding, it’s prudent to secure homeowner’s insurance and other types for coverage in a worst-case scenario. If you’ve been through a natural disaster and sustained damage to your property, here are some things to know.

Contact Insurance Provider

As soon as it’s safe, you should contact your insurance agent or company as soon as possible. Keep a log of who you talked to and what you talked about. Find out what documentation is necessary and get details about when your provider will follow up and what forms are necessary. Be prepared to discuss any damage sustained and the extent. If possible, document damage with photos and video. Make a list of damaged items. Do not discard destroyed possessions until a claims adjuster has had a chance to see them.

Temporary Repairs

If you can return home, you may need to make temporary repairs while your claim is being processed. Such repairs should be limited to fixes that prevent further damage to the building and items inside. For example, repairing broken windows to shield your house interior from exposure to the elements might be necessary. Consult an expert in glass replacement Dallas TX for help. You should refrain from making permanent repairs until your insurance provider(s) gives you the go-ahead.

Permanent Repairs

After you get the go-ahead, proceed with making permanent repairs. You should hire contractors who are licensed, insured, bonded and experienced in doing the type of work you need. Keep track of all your communications with any contractors and document all agreements. Be cautious of an overly helpful pro looking to interpret your insurance policy. Never pay for work in advance.

You never know when you might experience destruction from a natural disaster. You probably have insurance policies in place to help pay for recovery and loss. It’s always good to know what to do in advance.

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