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How to Maximize Your Tornado Damage Property Claim: Ten Expert Tips
In case your home has been destroyed or severely damaged, this is what you should do once you are safe.
1. Promptly reach out to your insurance agent or company. Keep a record of all your interactions with the company and be prepared to answer questions regarding the severity and extent of the damage.
2. Document the damage caused. Create a list of all the items that were damaged by the tornado. Try to take photographs or videotape the damage if possible. Do not throw away any damaged property until your insurance adjuster has had the opportunity to examine it.
3. Make temporary repairs. To prevent further damage to your home, make reasonable and necessary temporary repairs. Do not make any permanent repairs until your insurance company gives you the go-ahead. Keep all receipts and document all expenses incurred.
4. Review your insurance policy. Sadly, it is becoming increasingly common for tornado insurance coverage to be insufficient to cover the cost of homeowners' repairs. Find out the type of insurance policy you have and the amount of insurance you purchased.
5. Schedule permanent repairs. Though you should wait for your damage to be assessed before making any permanent repairs, schedule them as soon as possible as appointments tend to fill up quickly.
6. Beware of storm-repair scams. Do not rely solely on your insurance company to protect you from tornado-repair scams. Use the services of local, licensed, bonded, and insured contractors. Check their references, get agreements in writing, and do not make any advance payments.
7. Do not expect free upgrades. Typically, insurance companies will only replace damaged items and materials with those of the same type and quality. Attempting to replace fiberglass with expensive slate tile for free will only slow down your claims process.
8. Be present on-site. Try to be present when the insurance company's adjuster inspects the damage to your property.
9. Inquire about discounts. Find out from your insurance agent if you are eligible for discounts, additional living expenses (ALE), disaster tax deductions, or other forms of financial assistance because of the tornado.
10. Speak with a claims professional. Do not let a contractor interpret your insurance policy language. For additional guidance, consult The Shelley Group, Inc. Working for YOU, not the Insurance Company.
