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YourHub.com \\ Vero Beach \\ Stories \\ Hurricanes \\ Hurricane tips

RECOVERING FROM A HURRICANE

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Contributed by: Chuck Bateman on 8/5/2009

The hurricane has moved on and now you're faced with damages from the storm and wondering where to start.
Personal safety is paramount. Homeowners with damaged property should make sure it is safe to re-enter their property before attempting to assess damage.
As soon as possible, contact your agent or insurance company to report a claim. This information will be passed on to claims adjusters. If you cannot remain at the premises, make sure your insurance representative knows how and where to reach you.

TIPS FOR AUTO DAMAGE:

Take steps to prevent further damage. If your engine was under water, do not start the vehicle. If your vehicle was flooded, take steps to extract the water and start the drying process.

Have your vehicle title and registration available when meeting with your agent or claim representative.

If necessary, have the vehicle towed or make temporary repairs, saving all reciepts. Provide the name, phone number and location of the towing facility and give the towing facility permission for your insurance representative to move the vehicle to a central facility.

TIPS FOR HOMEOWNERS:

Begin to make temporary repairs to prevent further damage to your home or property. Keep a record of time spent and all receipts for work done on your property.

Take pictures of the damaged property. Keep notes and use inventory lists to help adjusters assess the damages.

Remove tree debris from the structure and place it on the ground.

If your power is out, unplug any small electrical items to prevent electrical spike damage.

Secure replacement costs/estimates from local retailers of like kind, quality and features. Obtain statements from vendors on items that cannot be repaired.

Do not dispose of any damaged contents until authorized by your agent or claim representative.

Contact only reputable, licensed vendors for repair estimates. Have estimates signed by the vendor and approved by your adjuster or agent before having major damage repaired.

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