6 Things To Do After Storm Damage
When a severe storm sweeps through your area and damages your home, it can feel like your world has been turned upside down. In the aftermath, you might find yourself asking, “What should I do first?” Amidst the uncertainty, understanding the steps to take after storm damage is crucial for safeguarding your property and ensuring a smooth insurance claim process.
1. Ensure safety
First and foremost, make sure everyone is safe. Check on elderly or disabled neighbors if you notice damage. Only drive if necessary, and steer clear of areas with downed power lines, unstable structures, or standing water. Look out for broken glass and exposed nails. If you smell gas, shut off any gas valves immediately to prevent further damage and contact local authorities.
2. Document the damage
If it’s safe, capture photos and videos of the damage to your property, including the exterior, interior, and any personal belongings affected. Taking pictures might be the last thing on your mind after a devastating storm, but they can be helpful during the claims process. Detailed documentation can help your insurance provider understand the severity of the damage and verify that it was caused by the storm.
3. Contact your insurance agent
Contact your insurance agent as soon as possible to report the damage. Your agent is there to support you and answer any questions you have. The sooner you can begin the claims process after storm damage, the better. Quick action may speed up the overall recovery process, helping you get back to normal faster.
If you’re an Alfa® customer, you can report a claim online, in the Alfa2Go® mobile app, or by calling the Customer Resource Center at 1-800-964-2532.
4. Prevent further damage
As a homeowner, it’s your responsibility to minimize further damage. If the storm caused openings that allow wind or water to enter your home, it’s crucial to cover those areas with plywood or a tarp. In cases of severe damage, consider staying elsewhere or booking a hotel room until repairs are complete.
5. Stay organized and keep receipts
It’s wise to keep track of receipts for temporary repairs, materials, labor, and additional living expenses if you’re staying elsewhere while your home is being repaired. Your homeowners insurance may reimburse you for some of these expenses. Staying organized can help prevent headaches later on.
6. Be aware of scammers
In areas affected by severe storms, it’s common for disreputable contractors to go door-to-door offering fraudulent repair services. Be cautious of deals that seem to good to be true—usually, they are. Never pay in full or write a check before services are completed. Contractors who use high-pressure tactics, ask for large upfront payments, or claim they don’t need to be licensed are generally fraudulent. Always consult with your insurance adjuster or agent before signing any contracts or authorization forms.
Recovering after severe storm damage
Emotions can run high after a tragedy, especially when you’ve lost a part of your home. It’s important to remember that the effects of a storm aren’t always visible; emotional trauma and stress can linger for years. While it might be easy to put all of your energy into repairing your home and restoring normalcy for your family, don’t neglect your health and well-being during this time. Sharing your experiences with others can be incredibly helpful, not only for your own recovery but also to better prepare others.
It’s always smart to be prepared before severe weather strikes. Knowing the right steps to take when navigating the aftermath of storm damage can make all the difference. Understanding your insurance coverages, limits, and deductibles can prevent unexpected expenses during an already stressful time. Contact your insurance agent to review your coverage and ensure your home and belongings are adequately protected.
Alfa offers customized policies for homeowners that help protect against various weather risks. To learn more about your coverage options, reach out to an Alfa agent near you.
All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the deductibles, coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.