The United States has been hit hard in recent years with unusually severe weather patterns. In many areas, this means that storms have become more frequent and more severe. If you experience storm damage to your home or property in Cumming, GA, here are the next steps that you need to take from The Nolan Group.
1. Protect Your Home if Needed
If the storm has damaged your roof or windows and more rain is in the forecast, take steps to protect the structure from further damage. For instance, you can nail plywood over the windows or stretch a tarp over your roof to keep the elements from damaging the interior of your house. However, hold off on permanent repairs until after you have spoken to your insurance agent. They will want to send an adjuster to inspect the severity of the damage.
2. Call Your Insurance Company
As soon as you can do it safely, make a call to your insurance company. If it’s during normal business hours, you may want to call the local office, but sending an email may be even faster. You may want to start a log of all the phone calls that you make. Note the date and time of each call as well as the names of any customer care representatives that you speak to. Don’t delay making the call.
3. Schedule the Adjuster
Don’t call contractors or other repairmen quite yet. The insurance company needs to send out an adjuster to look at the damage and estimate the damage. Write down the name of the adjuster and ask him how long you should wait before you can contact your agent to figure out the details of your claim.
4. Call Your Agent
When your agent has all the information that they need, you can discuss your options with your agent. Some insurance companies will write you a check and allow you to handle repairs, while others will pay the contractor directly. Make notes of what is said during these discussions so you can refer to them later.
5. Protect Yourself
Avoid using contractors who go door to door in the aftermath of a storm looking for work. You never know if they do good work or shoddy work. Instead, ask for recommendations from trusted friends and family members. Your agent may have suggestions for trustworthy contractors if needed.
If you have questions about your homeowner’s insurance and storm damage in Cumming, GA, contact The Nolan Group today.