- Clean Out Your Garage: 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 prepared areas to take shelter in case of a tornado.
- 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.
- Call Your Insurer: Locate your current insurance information and reach out to your insurer for a yearly coverage check-up.
- 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 homeowners 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.
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