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Your House is Damaged in a Storm, Now What?

As an insurance agent, I have seen firsthand the devastation that storms can cause to homes. While we can’t always control the weather, we can take steps to prepare ourselves for the worst-case scenario. If your home has been damaged in a storm, here are some steps you should take:

  1. Safety First: Your first priority should be the safety of you and your family. If the damage is severe, evacuate the premises until a professional has determined it is safe to re-enter.

  2. Contact your Insurance Company: Contact your insurance company as soon as possible to report the damage. Your agent will guide you through the claims process and inform you of any deductible or limits that may apply.

  3. Document the Damage: Take photos or videos of the damage and make a list of any lost or damaged items. This information will help speed up the claims process and ensure you receive the compensation you deserve.

  4. Prevent Further Damage: Take steps to prevent any further damage to your home. This may include covering broken windows with plastic or tarps, moving damaged items to a safe location, or boarding up holes in your roof or walls.

  5. Save Receipts: Keep receipts for any expenses you incur as a result of the damage. This may include temporary housing, meals, and transportation.

  6. Work with Contractors: Your insurance company will likely have a network of contractors that they work with. However, you are not required to use these contractors. Do your research and find a reputable contractor to repair the damage to your home.

  7. Review your Policy: Review your insurance policy to understand your coverage limits and any exclusions that may apply. This will help you understand what to expect from your insurance company.

Remember, the claims process can take time, so be patient and work closely with your insurance agent to ensure you receive the compensation you deserve. By taking these steps, you can protect yourself and your home in the event of storm damage.

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