Disasters – whether they are man-made or natural can occur at any time and with little to no warning. It is therefore not surprising that when they do, they often cause widespread damage to the area they strike. Your home is no exception to this rule.
We spoke with Americlaims, americlaims.com, a top regional public adjuster and fortunately, there are steps you can take to mitigate the situation if your home is hit by a disaster. These will help you get compensation for damage caused to your property.
Take Adequate Measures
As a general rule, insurance policies legally give homeowners the right to protect their property from sustaining any further damage. While this does not mean that one needs to go above-and-beyond in preparations, a Myrtle Beach Public Adjuster mentions that taking steps to protect the property within reason is always beneficial – especially if you have some prior knowledge of being hit by the disaster.
Here are some measures you can take if you are aware that your home will be hit by a disaster:
- Keep all valuable items in a safe place
- Cover up the holes in your roof if any
- Cover up broken windows with boards and/or tapes
- Make sure there is no water buildup at home
Let Everything Stay as It Is
According to a conversation with a Public Adjuster in Greenville SC, the tendency to clean things up after a disaster is over is a very natural instinct, albeit one that should best be avoided in this particular situation. This is because insurance companies visit properties to assess and determine the damage – and will not be able to do so accurately should you clean anything up. Make sure to leave everything in and around your home exactly as it is – including the items in your trash.
The main thing to remember here is that till the point the insurance company is done with its assessment, everything in your home functions as evidence. If you throw anything away or move anything, it will create a distorted picture, which can weaken your claim and affect the compensation you would get for your property loss. Only move something if they pose an immediate threat to you or those around you.
Hire With Care
Having contractors show up at your door unannounced is a very common occurrence post-disaster. While some of these do come with good intentions, a Virginia Beach Public Adjuster mentioned that most come with an intent to score money of unsuspecting disaster victims.
Remember, no matter how nice or knowledgeable a contractor may seem, the first contractor you see might not be the best one for your situation. Before speaking with contractors, make sure to go through your claim’s details carefully. While selecting contractors, make sure to interview a few, and check their references and their ratings on Better Business Bureau.