How to Handle Repairs and Insurance After a Natural Disaster

Nov 05, 2012 No Comments by

Natural disasters can have a devastating impact on homeowners in terms of property damage and financial loss. Depending on the size of the disaster, entire homes can be destroyed. Recovering from a natural disaster can be daunting, especially when it comes to filing insurance claims. Still, there are ways that homeowners can rebuild while mitigating headaches during the process.


Understandably, dealing with insurance companies is often not on the top of any homeowner’s list of must-dos after a natural disaster, but it is essential to get the claims process in motion as quickly as possible.


Be sure to contact your insurance representative as soon as possible. Being among the first to call your insurance agent or your insurance company’s claims department after a disaster that impacted homeowners on a mass scale may shave weeks or even months off the settlement process.


Homeowners should carefully document damage to the property’s interior and exterior by taking photos and shooting video if possible. They should also differentiate minor repairs from major ones. Homeowners shouldn’t begin any permanent repairs until after their claims adjuster approves it. Once you begin buying materials for a repair, keep the receipts and your insurance company may reimburse you for some or all of the costs.


Even though there are steps home owners must take to recover after a natural disaster, they should also know that they are not alone. There are many government programs, such as FEMA, designed to help homeowners with financial support. These programs are crucial, especially because homeowners insurance may only cover part of your rebuilding costs.


Natural disasters like hurricanes and tornados could wreak havoc on any homeowner’s life. That’s why it’s important to be prepared; taking an inventory of your property and maintaining a strong relationship with your insurance company can make the stress of a natural disaster easier to manage.

Home Insurance, Home Services, Natural Disaster

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