What To Do If Your Home Is Damaged By A Storm

Dated: 10/03/2016

Views: 1430

So a big storm just ripped through your neighborhood and aside from power going out, you may be oblivious to possible damage.  However, once you’re able to asses the damage after the storm passes, you find that your roof has been damaged even worse if you happened to have left the scene prior to the storm you may return to devastation. Whether minor or major you must know the steps on what to do if your home is damaged by a storm. Here are a few easy steps you should follow.

 

Your Safety Comes First

Storm-damage-roof

Photo credit: Tony Webster / Foter / CC BY

Depending on the severity of the damage you may need to evacuate your home even before assessing all of the damage.  Issues with live wires, gas leaks, weakened structure and more can pose imminent danger.  If this is the case your best bet is to seek shelter.  If you do not have family or friends you can stay with in your immediate area then a local hotel or Red Cross may be your best best.

 

Take Pictures/Document the Damage

taking-pictures

Photo credit: ☺ / Foter / CC BY-SA

After your home has been deemed safe be sure to take pictures of the damages.  This includes the exterior of the house in addition to the interior.  A good rule of thumb is to take pictures from multiple angles to get the best assessment of the damage.  If high winds blew debris such as your neighbor’s lawn ornaments damaged your home be sure to take pictures of those as well. In addition to photos document all damage including mold and crumbling walls.

 

Seek Federal Assistance if There’s Major Damage

fema

Photo credit: USDAgov / Foter / CC BY

If your home was hit with a major storm or catastrophe, federal agencies such as FEMA may be your best option for relief.   FEMA particularly is able to assist with temporary housing,  meals, repairs and even filing insurance claims.  In most cases of large disasters FEMA agents/representatives are usually in hard hit regions fairly quickly.

 

Secure Your Home

tarp-on-roof

USACE HQ / Foter / CC BY

In the event that your home is exposed to the elements due to a damaged roof or broken windows, cover up these areas using tarp, plywood, plastic or any other material that can help prevent further damage.  In addition do your best to remove all valuables to prevent thieves from looting your home.  The last thing you want is to file an additional claim for stolen items in addition to your damaged home.

Review Your Homeowners Policy

Homeowners-Insurance

Image via monicabresofski.com

Since you have documented the damage done to your home, you can now compare it to your homeowners insurance to determine if you will be covered. To make the process as smooth as possible be pro-active and obtain quotes for all repairs, have digital photos of the damage ready to send to your agent, and lastly save all receipts for all replacement items to present to your claims adjuster. But don’t file just yet.

 

Hire a Public Adjuster

Image via advocateclaims.com

To maximize your settlement, hire a public adjuster before filing your claim or have a public adjuster file the claim on your behalf. Public adjusters better understand policies and can present them in a way that will maximize your payout and give you the settlement you deserve. In addition you will be able to focus on making your repairs and everyday life while your public adjuster is fighting on your behalf. No money? No problem, you do not have to pay up front for a public adjuster as they are only paid when you receive a settlement. Lastly even after closing a settlement a public adjuster may even be able to re-open a claim to increase your compensation.

 

Repair What You Can/DIY

handyman

Photo credit: Tobyotter / Foter / CC BY

If the damage to your property is minimal than filing a claim may not be necessary. If you are handy with tools DIY projects may be the best bet.  Hiring a local contractor/handyman is also a good option as many contractors insure their work.

Blog author image

Boots Levinson

We are so much more than a full service real estate firm; we're a group of talented people with a passion for finding the best way of living. People who make every effort to help you live who you are.....

Latest Blog Posts

Eight Surprising Things Ultra Productive People Do Every Day

Eight Surprising Things Ultra Productive People Do Every DayWhen it comes to productivity, we all face the same challenge—there are only 24 hours in a day. Yet some people seem to have twice

Read More

Mar 17 2018 43908 1

Calling all Heroes! Did you know that YOU may qualify for a refund after your closing on your home, whether it be as a buyer or seller? As a way of showing my thanks and gratitude for all the

Read More

The Late Great Paul Cret

The Late, Great Paul CretBy Design. By WITOLD RYBCZYNSKI OCT. 21, 2014 1910 archival photograph of Paul Cret. Credit Paul Philippe Cret Collection, the Architectural Archives,

Read More

PANTONE COLORS TRENDING IN 2018

THE PANTONE COLORS THAT WILL BE TRENDING IN 2018From powerful pink to minion yellow, these are the hues you can look forward to seeing in home design in 2018.We're still wrapping our heads around

Read More