With Hurricane Dorian effects on the east coast of the United States, there are a number of things homeowners need to consider when it’s time to assess material damage in the wake of a major hurricane. Here are some great tips from an article I just read.
Your home has sustained damage, now what? Document the damage by taking photos/videos and save all receipts for supplies for repairs. It’s a good idea to make temporary repairs to prevent further damage. This can be as simple as covering a hole on the roof or window with a tarp or plywood. Also, contact your insurance company as quickly as possible to get the claims process started.
What’s covered by my insurance policy? Property damage from wind is usually covered under your standard policy. However, flood damage is not. This coverage is normally purchased separately through the federal government’s National Flood Insurance Program or a private insurer. Renters’ policies only cover the renters’ belongings, whereas the structure is insured by the landlord. Damage to your vehicle from wind and flooding is covered under your auto insurance policy’s optional comprehensive coverage.
What else is covered? Ask your insurance agent, but most insurance policies help cover some costs beyond structural damage or belongings such as the cost to evacuate, temporary housing if your home is uninhabitable from damage sustained during the storm. Also, talk to your employer about lost wages because of missed days of work – many businesses have insurance policies that allow them to pay employees for a set number of missed work days due to mandatory evacuation.
Can FEMA help me? The Federal Emergency Management Agency (FEMA) provides assistance once a disaster is declared a federal disaster. To find out if you qualify, visit http://www.disasterassistance.gov and enter your address. The site also has information on FEMA Disaster Recovery Centers.
How do I avoid being scammed on repairs to my home/property? Beware of door-to-door solicitors. Contact your insurance company before signing contracts for repairs. Only work with licensed and insured contractors and obtain more than one estimate. Get everything in writing, including material and labor costs and a schedule of work to include a completion date. Never pay a contractor in full or sign a completion certificate until all work is completed. Contact your state’s department of insurance if you think you’re being scammed or to report suspected fraud.
I hope this article helps! Let me know if you have any comments or questions.