The Storm Damaged My Home/Car, Now What?
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State Farm Offers After The Storm Tips
Make Temporary Repairs
Make emergency repairs to protect your property from further damage. For example, board up broken windows, put a tarp over leaky roofs, and get contents up off of wet floors. Save receipts. Personal safety is paramount, so don’t do anything unless and until it is safe to do so. Don't make any permanent repairs until the claims adjuster has been to your home and assessed the damage. If You Need to Relocate
If your home is severely damaged and you need to find other accommodations while repairs are being made, keep records of all additional expenses you incur. Homeowner’s insurance policies provide coverage for additional living expenses if your home is uninhabitable as a result of damage caused by a loss that is insured by your policy.
Prepare for the Adjuster's Visit
The more information you have about your damaged possessions, the faster your claim can generally be settled.
Due to the recent severe weather that has stricken our community, State Farm wants to remind you of steps you should take after the storm. Tips on avoiding scams when hiring a contractor for repairs are also included.
Report Your Claim As Soon As Possible
Make Temporary Repairs
Make emergency repairs to protect your property from further damage. For example, board up broken windows, put a tarp over leaky roofs, and get contents up off of wet floors. Save receipts. Personal safety is paramount, so don’t do anything unless and until it is safe to do so. Don't make any permanent repairs until the claims adjuster has been to your home and assessed the damage. If You Need to Relocate
If your home is severely damaged and you need to find other accommodations while repairs are being made, keep records of all additional expenses you incur. Homeowner’s insurance policies provide coverage for additional living expenses if your home is uninhabitable as a result of damage caused by a loss that is insured by your policy.
Prepare for the Adjuster's Visit
The more information you have about your damaged possessions, the faster your claim can generally be settled.
- Make a list of damaged contents, including age, model number or description, and what it would cost to replace or repair the item.
- Identify any damage to your home and other structures on your premises—such as fences, garage, or storage sheds. Make a list of everything you would like to show the claims adjuster.
- Don’t throw out any damaged items without first speaking with your adjuster.
- Consider photographing or videotaping the damage.
- Keep copies of everything you submit to your insurance company, and all paperwork your insurance company gives you.
- Do your homework -- conduct research and background checks on companies before you hire them to repair your home.
- Get estimates from several contractors. Make sure they are licensed and bonded.
- Check their credentials with your local Better Business Bureau.
- Ask your neighbors who they are using to perform similar repairs.
- Inspect contractors' proof of liability insurance.
- Get everything in writing -- especially contracts.
- Avoid paying cash or money up-front. There are instances where partial payment is due up-front, but it should only be a small portion of the total estimate.
- Follow local building codes.
- Contact your local authorities if anyone performs work on your house without your permission. Report ALL suspicious activity to the police.
- Never sign over an insurance settlement check to a contractor.
