Storms can strike without warning, leaving homeowners to deal with the aftermath of damage to their property. From fallen trees to roof leaks and flooding, storm damage can be overwhelming and stressful. Knowing the right steps to take after storm damage can help you navigate the recovery process more efficiently and maximize your insurance claim.
If you’re a homeowner in Pittsburgh, PA, or the surrounding states of Pennsylvania, Maryland, West Virginia, and Tennessee, this guide will outline the steps you should take following storm damage and explain how A H Neaman Company, a trusted public insurance adjuster, can help you secure the compensation you deserve.
Storm Damage
1. Ensure Safety First
After a storm, your safety and that of your family should be your top priority. Before assessing the damage:
- Avoid Hazardous Areas: Stay away from downed power lines, unstable structures, or waterlogged areas that could pose electrical risks.
- Turn Off Utilities: If you suspect damage to your gas lines, water system, or electrical wiring, turn off utilities and contact the proper authorities.
- Seek Shelter: If your home is severely damaged and unsafe, find temporary shelter until repairs can be made.
2. Document the Storm Damage
Once it’s safe to return, begin documenting the storm damage to your property. Proper documentation is essential for filing an insurance claim.
- Take Photos and Videos: Capture clear images and videos of all visible damage, including your roof, siding, windows, interior rooms, and personal belongings.
- Make a List: Create an inventory of damaged items and their estimated value. Include receipts if possible.
- Log the Event: Write down the date and time of the storm, along with any details that may be relevant to your claim.
3. Prevent Further Storm Damage
Most insurance policies require homeowners to take reasonable steps to prevent further damage to their property after an incident.
- Cover Openings: Use tarps or plywood to temporarily seal roof holes, broken windows, or damaged walls.
- Remove Standing Water: If safe, remove water from flooded areas to prevent mold and structural damage.
- Save Receipts: Keep records of all expenses related to temporary repairs or alternative living arrangements. These costs may be reimbursed under your insurance policy.
4. Review Your Insurance Policy
Understanding the specifics of your homeowner’s insurance policy is crucial when filing a claim. Look for:
- Coverage Limits: Determine what types of storm damage are covered and the maximum payout limits.
- Exclusions: Identify any exclusions, such as flood or wind damage, that may require separate policies.
- Deductibles: Know how much you’ll need to pay out of pocket before your coverage kicks in.
If you’re unsure about your coverage, a public insurance adjuster can help interpret your policy and ensure you’re filing a claim for all applicable damages.
5. Contact Your Insurance Company
Notify your insurance company as soon as possible to begin the claims process. Provide them with:
- A detailed account of the damage
- Photos, videos, and receipts for temporary repairs
- Any questions you have about the claims process
6. Avoid Rushing Into Repairs
While it’s important to prevent further damage, hold off on permanent repairs until your insurance adjuster has assessed the damage.
- Preserve Evidence: Leave the damaged areas untouched so they can be thoroughly inspected.
- Be Wary of Contractors: Avoid hiring contractors who pressure you into immediate repairs before your claim is approved.
7. Consider Hiring a Public Insurance Adjuster
The claims process can be complex and time-consuming. Hiring a public insurance adjuster can make all the difference in securing the settlement you deserve.
How a Public Adjuster Helps
- Accurate Damage Assessment: Public adjusters conduct a thorough evaluation of your property to ensure all damages are accounted for.
- Policy Expertise: They understand insurance policies and can identify hidden coverages.
- Claims Negotiation: Public adjusters represent your interests during negotiations with your insurance company.
- Maximized Settlement: They work to secure the maximum payout to cover your repairs and losses.
8. Keep Detailed Records
Throughout the claims process, maintain a file with all relevant documents, including:
- Copies of your insurance policy
- Correspondence with your insurance company
- Estimates and invoices from contractors
- Receipts for temporary repairs and living expenses
How A H Neaman Company Can Help
At A H Neaman Company, we understand how overwhelming storm damage can be. As experienced public insurance adjusters, we specialize in helping homeowners in Pittsburgh, PA, and the states of Pennsylvania, Maryland, West Virginia, and Tennessee navigate the claims process.
Why Choose A H Neaman Company?
- Expert Representation: We handle every aspect of your claim, from documenting damages to negotiating with your insurer.
- Maximized Settlements: Our goal is to secure the compensation you deserve to fully restore your property.
- Local Knowledge: With extensive experience in the areas we serve, we understand the unique challenges homeowners face after a storm.
Conclusion
Dealing with storm damage is never easy, but knowing the steps to take can help you protect your home and secure the compensation you need to recover.
Let A H Neaman Company Help You Rebuild After Storm Damage
If your home has suffered storm damage, don’t face the insurance claims process alone. Contact A H Neaman Company today to fight your claim and get the money you deserve. With our expertise and dedication, we’ll ensure you receive the maximum payout to restore your home and peace of mind.
