Spring is on the way in Lees Summit, MO. While the lovely weather is enjoyable, spring also brings the possibility of intense storms as the days get warmer. If your home is damaged by a storm, consider these three tips from Epic Insurance before you begin repairs.
Call the Insurance Company.
If there is storm damage, one of the first things you should do is to call your insurance agent. They can tell you exactly how to proceed. Even if the storm occurs outside of normal business hours or on the weekend, call the emergency number to get started filing your claim. You may want to have your policy number available before you call. Have a pen and paper handy, so you can write down the information that you learn on the phone. You should also record the name of the person you spoke to and the date and time of your call.
Don’t Make Repairs too Soon.
Second, while you probably want to get started right away in making repairs to your home, you definitely want to hold off on major repairs until after the adjuster has come by to see the damage himself. However, you can make temporary repairs to avoid further damage to the home by the elements. For example, if part of your roof is missing and there’s rain in the forecast, you can tack a tarp or piece of plywood on the roof to keep your home as dry as possible. But, you should wait for the adjuster to view the damage before you start final repairs. Keep your receipts for any items you purchase for these temporary repairs. You may be able to be reimbursed for these expenses.
Get Bids, but Be Wary!
Third, after your adjuster has given the go-ahead, get estimates from reputable contractors. If you don’t know who to call, talk to your insurance agent or the adjuster. Be very wary of contractors who go door to door after storms seeking work. Often, these people prey on folks with storm damage, but they do shoddy work with low-quality materials.
If you have questions about home insurance in the Less Summit, MO area, call Epic Insurance before spring storm damage hits your home.