Top 5: What Actions We Recommend After A Wind & Hail Storm
When your property faces the wrath of a wind and hail storm, swift and strategic actions can make all the difference in navigating insurance claims and ensuring proper compensation. As a public adjuster experienced in handling such claims, here are the top five actions I recommend taking:
1. Assess Safety and Document Damage Immediately: Safety should always be the top priority. Once it's safe to do so, thoroughly inspect your property for any damage caused by the storm. Take extensive photographs and videos documenting the damage from various angles. These visual records will serve as crucial evidence during the claims process.
2. Contact Your Insurance Company: Notify your insurance company as soon as possible about the damage to your property. Provide them with a detailed description of the extent of the damage and any relevant documentation, such as photographs and videos. Promptly reporting the damage can expedite the claims process and ensure that you receive timely assistance.
3. Consult with a Public Adjuster: Consider hiring a reputable public adjuster to represent your interests during the insurance claims process. A public adjuster works exclusively for you, not the insurance company, and can help maximize your claim payout. They have the expertise to assess the full extent of the damage, interpret your insurance policy, and negotiate with the insurance company on your behalf.
4. Prevent Further Damage: Take immediate steps to prevent further damage to your property. This may include covering broken windows, tarping damaged roofs, or boarding up exposed areas. However, it's crucial to document these mitigation efforts thoroughly, as they may be reimbursable under your insurance policy.
5. Keep Detailed Records: Throughout the claims process, maintain meticulous records of all communication with your insurance company, public adjuster, contractors, and any other parties involved. Keep copies of all correspondence, estimates, invoices, and receipts related to the repairs and restoration of your property. These records will help substantiate your claim and ensure that you receive fair compensation for your losses.
By following these top five actions after a wind and hail storm, you can navigate the insurance claims process with confidence and maximize your chances of receiving the full compensation you deserve for the damage to your property. Remember, enlisting the assistance of a knowledgeable public adjuster can be instrumental in achieving a favorable outcome.