What to Do Right After a Home Disaster (Before Calling Your Insurer)
Natural disasters are an unfortunate part of owning or renting a home, that’s why we’re here; to make a bad situation easier for you. Although we can do our best to avoid damages or harm to our homes during a disaster, sometimes it strikes when you least expect it.
We all know what to do to help protect our homes, but what should you do after a disaster has struck? By following our steps below, you can be prepared to tackle whatever problems may arise.
Ensure Safety
Evacuate if necessary; don’t re-enter until it’s safe! Check for hazards like gas leaks, electrical issues, or structural damage. If someone is harmed, call emergency services if needed (fire, medical, police).
Document Damage
Take clear photos and videos of all affected areas and belongings by capturing wide shots and close-ups of damage. Don’t throw anything away yet—even ruined items can support your claim.
Make a List
In the case of lost or damaged items, include estimated values, receipts (if available), and dates of purchase. Note brand names, serial numbers, and any warranty details.
Prevent Further Damage
Cover broken windows or holes in the roof with a tarp. Shut off water or power to prevent additional issues. Keep receipts for any emergency repairs or supplies.
Gather Your Policy Information
Locate your home insurance policy documents. Note your policy number, coverage details, and deductible.
Call Us
Once these steps are completed and you have your notes, documentation, and questions ready, be ready to provide a brief, factual overview of what happened!
While we can’t always avoid disaster, we can make sure we are prepared for whatever comes our way! Contact us today to find out how we can help.