What to Do After a Storm Damages Your Home

Every year, storms and severe weather events cause billions of dollars of property damage. Just last year, property owners in Georgia bore the brunt of numerous storms — to the tune of more than $151 million dollars. It’s devastating to realize that your home or business has been damaged, and you may not know what to do. Here are the most important steps to take right away:

  1. Do not enter your storm damaged home until authorities have determined it safe to enter.
  2. Notify your insurance company as soon as possible.
  3. Take appropriate measures to secure the home to protect it and your belongings from additional damage. Depending on the nature of the damage, this may be as simple as boarding up broken windows. You may need to hire a contractor for emergency repairs.
  4. Take photos, photos, and more photos. Go room to room, documenting everything from a variety of angles. Take close-ups of identifying tags and serial numbers to help ensure you are properly compensated.
  5. Do not throw away damaged property until your insurance company has inventoried it and authorized its disposal. This is evidence, after all. You need it to support your claim!
  6. Keep all of your receipts for expenses incurred after the loss. For example, you could be entitled to compensation for temporary living arrangements and meals — but only if you have receipts.
  7. Get organized. It’s going to be a long haul with claims forms, correspondence, estimates, inventories, and more. Get a file box, folders, labels, and other office supplies to help you keep everything neat, organized, and readily accessible.
  8. Seek professional help. Public insurance adjusters help policyholders like you settle property damage claims. Tap into our insurance claim expertise and let us handle all aspects of your claim. We work hard to ensure that you get every penny that your insurance company owes you.

Contact a public adjuster today to learn more.

When to Call an Insurance Public Adjuster

Fire - Accredited Public Adjusters

It can happen to anyone at any time. Fire, wind and water damage wreak havoc on homeowners nationwide each and every day: disrupting daily activities and costing a fortune in repair and restoration costs. In fact, according to the National Fire Protection Association, fire alone causes over 12.5 billion dollars in property damage in the United States yearly. Dealing with the insurance company can be an added headache for homeowners: Knowing when you should call in a professional public adjuster to help mediate the claim process is easy, before all the headaches begin for you.

–If you don’t think you are being treated fairly by your insurance company’s adjuster. Sometimes it seems like it can take forever to get that claim check back, doesn’t it? Or maybe you don’t think you’re being treated fairly by the company in terms of what they’re willing to pay for your losses. Too many homeowners feel helpless in the face of large, powerful insurance companies who seem to attempt to pay out only the bare-bones minimum. A public adjuster can take a more impartial, third-party look at your claim and help determine if you are entitled to more. He is on your side, rather than on the side of the insurance company: and that is definitely empowering.

–A public adjuster will follow the same basic process as your insurance company’s professional, only from a different perspective. He can make sense of complicated homeowners’ policies and use his extensive knowledge in the industry to make sure your contract is being followed to the “t.” You will have to pay extra of course – usually a percentage of your eventual claim – for this service; but in many cases, the supplemental monies received makes hiring a public adjuster affordable for just about everyone. Remember paying out 20% on money you would not have never seen is better than 100% of nothing.

–When choosing your public adjuster, be sure you select one that has a reputation for excellence in the industry. Like anything else, there are good ones and not so good ones. Selecting one with a lower competence level may just add to your claims nightmare rather than improving it. The best ones will have extensive backgrounds in construction as well as disaster mitigation and cleanup and they use that knowledge for your benefit. Smart homeowners will already have researched and selected a public adjuster and have a name on file before a disaster occurs rather than scramble around in the heat of the moment.

Dealing with a property emergency or disaster is tough enough without having to hassle with your insurance claim: isn’t it nice to know you have an additional resource that can provide the help you need when you need it?