If you are a homeowner who is dealing with hurricane-related damage to your home, your first instinct is probably to call your insurance company. Of course, it's definitely smart to work with your homeowners insurance company to help with the damage to your home; after all, this is what you pay for with your homeowners insurance policy. However, there are a few things that you'll want to remember when doing so.
Document Everything Well
First of all, you should make sure that you document everything properly. Even though an insurance adjuster will probably be sent to your home, he or she might miss something or might not document all of the damage properly. Taking the time to take pictures and write everything down can help you ensure that you have the proof that you need later on, if necessary.
Don't Take the Check Too Soon
You probably want to get your home back to normal as soon as possible. Therefore, it can be tempting to take the check as soon as it's offered. However, you don't want to take the check too soon; if you do, then you might not be able to ask your insurance company for more money for additional damage from this storm. Instead, consider working with a loss consulting firm that will help ensure that all of the damage has been found, and make sure that you don't forget about the little things, like personal belongings that might have been damaged because of the storm.
Consider the Potential for Future Hurricanes
Make sure that you think about the potential for future hurricanes. If you're replacing windows, doors or your roof, you may want to look for construction materials that are better able to withstand high winds and other hurricane-related conditions. Additionally, now is a good time for you to check your insurance policy; you might find that it's a good idea for you to adjust and increase your coverage. For example, if you don't have flood insurance but if some of the homes in your area have been damaged by floodwater that is related to the hurricane, now might be a good time to buy flood insurance to help ensure that you are prepared for any future storms.
Dealing with damage to your home after a hurricane can be devastating. To help make the situation better, it's important to follow a few tips. Then, you can help make the best of a bad situation and can help ensure that you are as protected as possible against future storms that might affect your area.