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Capturing Proof of Damage After a Storm or Disaster
Everyone is usually prepared for the chaotic atmosphere created by a raging storm. Windows are boarded up, items are placed in storage sheds and garages, and candles, water and other necessities are purchased in bulk. However, what happens when the storm is over?
A surprising number of homeowners are ill-prepared for what actions need to be taken after a storm. Not being prepared for the recovery phase after a catastrophe could result in numerous problems that range from delays with insurance claims to extensive and costly repairs.
The following is a quick guide that will help any homeowner be prepared for what to do after a storm or natural disaster.
High-quality photos will save time
With modern technology as it is today a smart phone has higher resolution cameras than most point and shoot cameras. Use your smart phone to take photos of the damage and then you can email them to your agent for further help. These photographs will prove to be extremely helpful when it comes time to show insurance adjusters how extensive the damage is to your home or property. Remember, these photographs must be high quality and showcase exactly what happened to your property.
Some tips for taking photographs after a storm include:
It would be extremely helpful to have before and after photographs of the home/property, but it is not necessary. Even if you don't have “before” photos, it is still important to capture the storm damage that occurred. Don't assume that because there aren't photos that can be used for comparative purposes, you will automatically be denied any insurance claim.
Damage needs to be assessed by a professional, quickly
Damage, no matter where it occurred to the home or property, needs to be assessed by a professional, and quickly. A fast assessment of damage will not only save you money and help get your home back to its original shape, but it could prevent further damage from occurring. Having your insurance agent and company information available on your phone can allow you to get quick access to them. Remember to have your policy numbers as well in that contact information
For example, if a tree fell on a roof, it is important to have someone come to the home to assess the movement and removal of the tree, as well as look at any harm that it caused to the roof. While assessing the damage, the individual — usually a contractor — will be able to determine just how bad the damage is and how soon repairs need to be made. In some instances, repairs may need to be made rapidly to avoid further damage to surrounding areas of the home.
A damage assessment from a reliable professional contractor can also help speed the insurance claims process.
Use caution
Don’t enter the building if authorities say it isn’t safe to do so. When walking through the debris wear thick-soled shoes and wear heavy gloves — there can be sharp items, glass, nails and other dangerous items. Don’t enter rooms if the ceilings are sagging since there is a danger of them collapsing. Wash your hands frequently and make sure to stay hydrated when working to clear out the debris.
Next time a huge storm hits, don't panic, just be prepared for what to do when it passes. Following the suggestions listed here will help homeowners regain composure and be well-equipped to tackle whatever challenges arise after a storm.