What To Do After Storm Damage?
When a storm strikes, the aftermath can be overwhelming. From assessing the damage to dealing with insurance claims, the steps you take immediately after a storm can have a significant impact on your recovery.
Knowing what to do after storm damage will help you avoid further complications and make sure that you handle the situation effectively. Following the right steps will help you save time, reduce costs, and improve your chances of getting a fair insurance payout.
Contact Your Insurance Provider
After the storm has passed and you have secured your safety, your first step is to get in touch with your homeowners’ insurance company. It is important to report any damages as soon as possible, especially if your policy includes windstorm or hail damage coverage.
Most insurance companies are flooded with claims in the aftermath of storms. Thus, be patient while they process your case. A timely claim submission is important to keep your recovery on track.
Document the Damage
The next step is to document the damages you have incurred. Take detailed photographs of all affected areas and possessions. Include pictures of structural damage, water intrusion, and any items that are beyond repair.
Creating a thorough record of the damage will strengthen your damage claims and help your insurance adjuster assess the loss more accurately. This documentation will also serve as vital evidence if any disputes arise.
Stop Additional Damage
After you have reported the damage, your priority should be to stop further harm to your property. If your roof has been compromised, place a tarp or temporary covering over it to prevent additional water intrusion.
Similarly, board up broken windows and doors. Keep all receipts for any materials or services you use for temporary repairs, as these expenses may be reimbursable by your insurance. Your quick actions can significantly reduce future repair costs.
Make Temporary Repairs, Not Permanent Ones
While it may be tempting to begin permanent repairs right away, wait for the insurance adjuster to inspect the damage first. Temporary repairs are important to avoid worsening the damage but do not replace what can be repaired by professionals.
Consult with your insurer before discarding damaged materials or making permanent changes to your property. Many insurers will offer advice on how to proceed with repairs in a way that does not affect your claim.
Assess Livability and Relocation
If the storm has made your home uninhabitable, contact your insurer to inquire about temporary relocation benefits. Most policies cover additional living expenses, such as hotel costs, if you need to leave your home while repairs are being made. Be sure to ask your insurance provider about these details to avoid unexpected financial burdens during your recovery period.
Stone Building Solutions Can Help
Stone Building Solutions specializes in handling damage claims, construction monitoring, and appraisals. Our team can assist you through every step of the process of what to do after storm damage. This makes sure that you get accurate assessments and support when filing claims. If you need expert guidance, we are here to help make the process easier and more manageable.