More on Storm Claims

We talked last week about documentation of your personal items in case you experience a loss in your home. This week, we want to talk a little bit about insurance. It’s very important to be aware of what your homeowner’s policy covers. An average homeowners policy will not cover certain types of flood damage even if it is related to a storm or disaster event. Knowing where you stand with your insurance company up front is a very good place to start. When you do have a claim, it’s important to document any damage (this is where those photos and inventory we talked about will come in handy) and make only temporary repairs. It’s obviously important to make your home livable again after a disaster strikes, however, it is important for an adjuster to see the full scale of the damage in order to make an informed decision.

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