After the Storm
Be aware of all potential hazards such as broken glass and downed power lines.
Check to see if anyone is injured and render assistance or notify proper authorities.
Survey the damage and take photographs of damaged areas, if possible. Contact your agent and/or insurance company and report the loss as soon as possible. Make a note regarding the date of the call and the person with whom you speak.
Realize that in catastrophic situations insurance companies and their adjusters will handle large losses first but will work to handle all claims in a timely manner. If you have not heard from your adjuster in a reasonable amount of time, contact your agent or company.
Make a detailed list of your damaged or destroyed personal property and provide a copy to the adjuster.
Make Temporary Repairs
Make temporary repairs that are necessary to protect your property from further damage. Do not have permanent repairs made until you are authorized to do so by the adjuster. This would include but not be limited to:
- Boarding up broken windows
- Placing plastic over the roof in places where it is leaking
- Dry out carpets and furniture which may be wet
Special care should be taken with some items such as antiques, paintings, silver, etc. You may want to contact a specialist on how to handle these types of items.
If You Need to Move
If your dwelling is uninhabitable, your agent or company will provide you information on whether your policy covers additional living expenses. You will need to keep receipts of all these expenses for documentation if you have this coverage.
Maintain Your Health
Rest often and eat well, keep a manageable schedule, make a list of jobs to do one at a time. Discuss your concerns with others and seek help.