When a strong storm strikes your home, it can be possible for it to suffer extensive damage. Unfortunately, it is common for homeowners to be ill-prepared to respond to their home's suffering this type of damage. As a result, they may not realize that there are steps that they should be taking to prepare themselves to minimize the difficulties of filing an insurance claim to receive compensation for these damages.
Keep An Inventory Of Your Possessions
Unfortunately, there can be instances where the entire house may be destroyed by the storm. When this is the case, your insurance may cover the costs of these lost possessions. However, you may need to provide proof of owning these items in order for the insurance to honor your claim. To this end, you may find that creating an inventory of these possessions can be an excellent way of doing this. While you may assume that this will be a difficult task, you may be able to satisfy the documentation requirements by taking photographs of these possessions in your home. You may not need to photograph all of your possessions, but you should photograph any particularly important or valuable items.
Review Your Policy Before Renewing It
You may need to renew your policy on a regular basis. However, making the mistake of failing to review this policy when you renew it can result in you failing to provide your home with the full coverage that you want. In particular, individuals will often assume that their basic policies provide protection against all storm-related damages. Yet, flooding will often fail to be covered by basic storm damage insurance. During the review of these policies, you should meet with your insurance agent so that you can ask them questions and discuss the coverage. Otherwise, you may fail to understand exactly what to expect from your storm damage insurance.
Know When To Contact A Storm Damage Attorney
The period after a major storm can be stressful for a number of reasons. However, instances where an insurance company refuses to honor the claim, it can make these already stressful situations much worse. To protect yourself against unethical insurance providers or disputes over the source of damages, you should retain a storm damage attorney as soon as possible. This will help to ensure that your rights are protected as you work your way through the process of filing a claim so that you can have your property's storm damage repaired.
Contact a company like the Law Offices of Jeremy W McKey for more information and assistance.