A hurricane or other powerful storm can completely devastate a community and your home. In the moments after the storm, many homeowners feel like they face a task that they cannot accomplish, as it pertains to the rebuilding process. Remember that you can rebuild and restore; however, there is a correct way to go about the process. If you find yourself facing this unfortunate scenario, learn what you should do.
Document Damage
Look over the area of damage, and document everything you see. The best way to go about this process is to write everything down. For example, if your television is damaged, write what you see. Next, take a photograph of the item. Perform this step for every area of damage in your home; it will come in handy later.
Handle Emergencies
Look around the home to see if there are any emergency repairs that need to be performed. For example, if you can still live in the house, but there is water in your kitchen and living room, have the water removed as soon as possible. These emergency repairs are essential to your safety, but they are also a great way to prevent further damage. Make sure you also document any repairs you perform.
File a Claim
As soon as possible, you want to file a claim with the insurance company. The faster you file the claim, the sooner the insurance company can get to work for you. Remember you do not have to know the full scope of the damage to file a claim. All of the details can be sorted out later.
Collect Estimates
You next want to start collecting estimates. If you have extensive property damage, you should consider pairing with a public adjuster. A public adjuster can appraise the level of damage to your home to help you ensure you receive a fair settlement from the insurance company and advocate on your behalf during the claims process.
Rely on a Professional
Leave all your repair needs to a professional. Performing repairs on your own is incredibly dangerous. However, DIY repairs can sometimes negate your ability to file an insurance claim in the future. For example, some policies have clauses to deny roof damage claims if the roof repairs were not performed by a licensed professional.
While it might seem impossible to be organized when your life is in shambles, the more organized you are, the easier and less stressful the process. For more assistance after the storm, remember, a public adjuster, such as from Skipton Claims Management, can help.
