When a storm hits, it can cause significant damage to your property, leaving you with a lot to handle in the aftermath. As a home or business owner, you may feel overwhelmed and unsure of what steps to take next. It’s important to act quickly and follow the correct procedure to ensure that your property is repaired and your insurance claim is processed correctly.
Here are four things to do if you find yourself a victim of property damage, after a storm:
Step 1: Ensure Your Safety
First and foremost, ensure that everyone is safe and out of harm’s way. If you have any concerns about the structural integrity of your property, evacuate immediately and call the relevant authorities. Do not attempt to inspect or repair any damage until it is safe to do so.
Step 2: Document the Damage
Next, once it’s safe to do so, document the damage to your property. Take photos or videos of any damage, including water damage, broken windows, and fallen trees. It’s important to have evidence of the damage for your insurance claim.
Step 3: Contact Your Insurance Agency (Contact Us)
Contact your insurance company as soon as possible to report the damage. Be prepared to provide them with a description of the damage, photos, and any other relevant information. Your insurance company will guide you through the claims process and inform you of the next steps. After a storm, it’s not uncommon for public adjusters to approach homeowners offering their services. They may try to take advantage of your situation and negotiate a lower settlement for you. It is always best to work directly with your insurance company’s adjuster and avoid engaging with public adjusters.
Step 4: Take Preventative Measures
Lastly, once the damage is repaired, take steps to prevent future damage. This could include trimming trees near your home before the storm, securing loose items in your yard, and moving vehicles away from any unsecured trees or in a covered area (if possible). Taking these preventative measures can help to minimize damage in the event of future storms. To learn more about how you can better prepare, visit Illinois Emergency Management Agency’s Severe Weather Preparedness Guide.
In conclusion, property damage caused by a storm can be a stressful and overwhelming experience. It is important to know what to do next and work closely with your insurance company to ensure that you receive fair compensation for the damage. By following the steps outlined above, and being cautious of dishonest public adjusters, you can ensure that your property is repaired correctly and your insurance claim is processed fairly.
