If you’re in the midst of a hurricane, it’s important to take inventory of any structural damage while you can. While you’re inspecting the home, you can begin to write down a list of any structural damage you see. This should include any damage to your personal property and include detached structures like sheds, garages, and pools. Don’t be afraid to list everything from minor damage like a broken lamp to significant destruction. If you file a claim, this will go to your insurance company, so you want to be as thorough as possible.
After that, it’s time for some preventative measures for Hurricane damage insurance claim. Here are six steps you should take next:
Turn off electricity
After the storm has passed, turn off all power sources in your home—including gas or propane tanks—to prevent electrical fires from starting up again once the storm has passed completely through your area and all lines have been restored by utility companies.
Check on neighbors
If there are people who need help after a hurricane passes through their area, they may not be able to get around as easily as they could before because of downed power lines or blocked roads due to flooding caused by high winds blowing away debris across streets.
Create your personal inventory list
If you didn’t have a list of your personal property before the event, now’s the time to put together a list. The insurance company will send an adjuster out to inspect the property when you file a claim. The more info you can give them about what was in the home, the more accurate their report will be. Photos and videos can be helpful during this step as well.
Inventory all of your possessions
Take photos of everything you own—even if it’s just a pair of jeans or an old TV set—and keep them on hand for when you file your claim. You might not think that having two extra blankets is important, but in September, it will be hard to go without them if yours were damaged in the storm.
Document any damage
If there are any damages or issues with your home or belongings, document them via photos and videos before repairing or replacing anything. Your insurance adjuster may ask for these documents when inspecting the property after filing a claim, so keep them handy for future reference.
Secure estimates from licensed contractors
You can begin to get estimates for damage repair before you file a claim with insurance. Estimates can speed up the claims and reimbursement process.
File a claim
Last but certainly not least, you’ll want to work with your independent insurance agent to file a claim and begin the rest of the claim process.
If you heed these six important steps after a hurricane, you’ll be much better off than if you hadn’t. You won’t find yourself in the dark with no one to help. And you can make sure that your insurance company is doing all that it can to help. Everything will done to get your life back up to speed as quickly as possible. The business of life goes on—even in the aftermath of the most devastating of natural disasters. Hurricane season is just around the corner – now’s the time to organize family documents. And discuss what needs to done before a natural disaster strikes. Be prepared so that when the next big storm hits. We better prepared for Hurricane damage insurance claim than ever before.