What to Do Following a Natural Disaster

by | Dec 3, 2021 | Hurricane Damage, Storm Damage, Water Damage, Wind Damage

Nobody likes to cope with a disaster, yet they do happen. Knowing what to do in the event of an accident or emergency may make the situation much less stressful to cope with and can assist reduce the time it takes to assess the damages and begin repairs.

A Good Defense Is The Best Offense
Knowing what you’re dealing with is the smartest thing you can do for yourself. Make certain that you are familiar with and thoroughly comprehend your insurance coverage. Understand that coverage for some natural catastrophes must be acquired individually, so if you reside in a high-risk location, make sure you’re protected.

You’ll also want to ensure that you’ve properly recorded all of your possessions. Again, making a list is the best way to accomplish this, and having images and videos of your house and things is also a good idea. Keep a copy of this list, as well as copies of any key papers (including your insurance policy), in a secure location away from your house, such as a safety deposit box.

It is also critical that you and your family are familiar with any emergency procedures that may be required, such as knowing the best spot to hide during a storm or the best ways to leave your house in the event of a fire. If you reside in an area where evacuation is a possibility, be aware of alternate routes in case one is closed or restricted.

Dealing with the Aftermath
Following a catastrophic event, the first priority is to ensure that you and your family are physically uninjured. If someone has been harmed and needs medical assistance, call 911.

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If you and your loved ones are safe, you should contact your insurance carrier immediately. To avoid future issues, properly answer any queries from your insurance company.

After dealing with your insurance company, you should take images and videos of your property to capture as much of the damage as possible. It is also critical that you take all required precautions to avoid future damage, such as turning off utilities and making temporary repairs. If you need to make any temporary repairs to your house, make sure you take pictures of the property before the repairs. Keep any receipts you have in case you need to get reimbursed.

Many insurance providers offer displacement coverage. If your house has been destroyed to the point of being unlivable, check with your insurance company to determine what type of accommodations are covered.

Your insurance provider will almost certainly dispatch an adjuster to inspect the damage to your house. If feasible, be physically present during this evaluation because you know your house better than anybody else and may be able to point out undetected issues. You should also collect the adjuster’s name and phone number in case you need to contact them again in the future.

Seek Assistance
Dealing with the aftermath of a calamity may be extremely upsetting and puzzling. If you’re unsure what to do or are just overwhelmed, enlisting the help of a third person might be beneficial. A public adjuster will be able to assist you in assessing the damage, thoroughly understanding your insurance policy, and ensuring that your insurance company is providing you with the highest possible reimbursement. Many insurance adjusters specialize in a certain area of expertise, so be sure the individual you’re working with has prior experience dealing with comparable scenarios. You should also make sure that the public adjuster is licensed to practice in your state, and you should always ask for references. Although not all public adjusters are made equal, choosing a competent one does not have to be difficult.

Hiring a public adjuster might be the best approach to deal with a difficult insurance company that refuses to pay out in full if you’re fighting to acquire the cash you need to rebuild and move on.