You probably cringe every time you read the weather forecast these days. But that doesn’t mean you have to lose sleep if damage occurs when the weather becomes severe. Here are some tips to help you get on the road to recovery and repair.
- Make any necessary temporary repairs, such as boarding up broken windows.
- Call your insurance carrier if you have significant damage. If you don’t know your policy number or the claims number for your carrier, call your insurance agent. (If it’s just a few shingles or minor damage, it may be worth it just to have it repaired on your own instead of filing a claim, which can cause your rates to go up. If you aren’t sure how severe the damage is, get a trusted roofer or contractor to come out and give you an estimate. Just be sure to check that they are local, insured, and have a warrant as well as references.)
- Make a list of damages inside and outside your home. Do not throw away any damaged items until your insurance adjuster has seen them.
- Take photos and/or video and save all your receipts! Give them to your claims adjuster.
- Clean out any standing water and dry the area or items out as soon as possible.
- Beware of fraudulent contractors! Dishonest contractors may come through your neighborhood to try to scam you. It’s unfortunate, but it happens. Ask contractors for references and check up on them. Look up the contractor on Better Business Bureau. Research!
- Once you get a check from the insurance company, do not give all of the insurance money upfront to the contractor before work has been completed. You want to make sure that the job has been completed and that it has been done correctly.