When storm clouds are on the horizon, safety should be top of mind. Allstate Insurance offers the following tips for staying safe before and after a storm.
Before the Storm:
Clean Out Your Garage and Yard: Take steps to reduce risks of damage to your property like having a spot for your car during a hail storm and removing dying tree limbs and outside furniture that can go airborne during a wind storm.
Make a Plan: Create a safety plan with your family and know the prepared areas to take shelter in case of a tornado. Visit emergency management government Web sites to help you come up with a plan before a catastrophe.
Take Stock of Your Stuff: Walk through your home with a video or still camera to create a record of what you have and where it is in your house. You can also download an App like Allstate’s Digital Locker (TM) to help create an inventory.
Call Your Insurer: Locate your current insurance information and reach out to your insurer for a yearly coverage check-up. Review your policy with your agent to make sure your coverages meet your current needs.
In the unfortunate event of a storm, Allstate recommends the following tips to help customers begin the recovery process.
Make Temporary Repairs: Make reasonable temporary repairs to prevent further damage. Save the receipts for temporary home repairs as these expenses may be reimbursed as part of your homeowner’s policy. Your adjuster will need this information.
Document Damages: Inventory your home and list damaged items before your adjuster arrives. An inventory can help facilitate the claim process after a disaster.
Research Contractors: Be wary of contractors who solicit door-to-door. Work only with licensed, bonded and insured contractors and have them provide you with documentation. Check with your local Better Business Bureau to see if any complaints have been filed against contractors you are considering.