Facing the aftermath of a storm can be a daunting experience. But when it comes to safeguarding your property and filing an insurance claim, it’s essential to have a clear plan of action. Below is a guide to assist you through the initial steps following a date of loss.
1. Survey Exterior Damage
After ensuring your safety, the first step is to assess the storm damage to your property.
Exterior Inspection: Begin by examining the exterior of your property for visible damage. Look for missing shingles or broken gutters. As well as obvious roof leaks or scattered roofing materials.
Air Conditioning Unit: Even if it’s not the summer season, check your AC unit for damages. You wouldn’t want any surprises when it’s time to use it.
Other Damages: Be thorough in identifying all storm-related damages, including those caused by trees, neighbor’s trees, or missing fencing.
2. Survey Interior Damage
Inspect the inside of your property for signs of internal damage.
Water Leaks: Keep an eye out for water leaks or puddles on walls and floors, especially on the ground floor.
Windows and Attic: Check windows for leaks and inspect your attic for any issues.
3. Take Photos
Capture clear photos to document all damage you see on your property in the aftermath of a storm.
Exterior Damage: From damaged roofs to broken AC units, photos play a significant role in your insurance claim.
Interior Damage: Document any damage inside your home, ensuring clarity in the images.
4. Keep Everything
Hold onto damaged items, as your insurance assessor may need to inspect them for your claim. Even if you can’t keep large items, like a waterlogged carpet or a broken TV, take photos and keep small samples if possible. A piece of your wet carpet can serve as evidence!
5. Shield Your Property
To prevent further damage to your property while waiting for repairs, we recommend covering visible holes or broken windows. You can do this by using tarps or canvases. Furthermore, ensure that you move valuable belongings and electronic equipment out of harm’s way.
6. Public Adjuster Inspection
Enlist the expertise of a public adjuster to ensure that all damage to your property is accounted for prior to filing a claim. Their in-depth knowledge, negotiation skills, and commitment to your best interests can significantly impact the outcome of your insurance claim. Ultimately, providing you with the peace of mind you deserve after a date of loss occurs.
Navigating the aftermath of a storm and filing an insurance claim can be challenging, but with the right steps and the support of Premier Claims, you can restore your property with peace of mind. Remember, our dedicated team is here to assist you throughout the process.