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Your Guide to Dealing With Storm Damage to Your Home

February 25, 2022

We all say we hope for the best yet must expect the worst, when it comes to storm damage. But it isn’t something we often practice. After all, the number of homeowners who actually expect storm damage are very few – even during the peak of the hurricane season.
Therefore, when homeowners suddenly find themselves in such a situation, they might not know what to do. This may lead to insurance companies taking advantage of the situation to get out of a bigger paycheck.

Here are 5 key steps you should take when dealing with storm damage:

Step 1: Check Your Home For Any Damage

When the storm has passed and it is okay to come outside, make sure to inspect the entire property to assess any damage. Make sure to do this in broad daylight, and be on the lookout for potential hazards such as exposed electrical wires, downed power lines, broken glass or standing water. Make sure to document all the damage by taking pictures and videos.

Step 2: Contact The Insurance Company

Storm damage is covered in most insurance policies, making it essential for you to contact your insurer as soon as possible. The sooner you reach out, the faster the insurance adjuster will arrive at the scene. Make sure to also review your policy prior to filing your claim. In case you lost your policy during the storm, ask your insurer to send you another one.

Step 3: Contact Your Restoration Company

Once the aforementioned is done, it is time to get the storm damage cleaned up. Since you have no idea about the extent of the damage, it is best to hire a restoration company to get the cleanup done. Make sure that you have documented all items before, during and post-restoration. This will help you when you file your claim.
As a general rule, insurers visit the homes of those policyholders whose homes have incurred the larger share of storm damage. This means that your insurance adjuster might take days or even weeks to reach you. If this is your situation, you can contact us – we will arrive at the earliest and get the claims process started at the earliest.

Step 4: File Your Claim For The Damage

Regardless of where your adjuster is from (i.e., a public adjuster or one coming from your insurance company), it is very important that you fully understand your policy and its implications. Remember, even the smallest of mistakes can result in shorter payment, delayed payment or the dismissal of your claim. Of course, having a public adjuster simplifies things for policyholders by guiding the latter through the claims process personally. They will help you gather essential information, such as taking pictures of the initial damage, and get you the settlement you deserve.

There are three key benefits to hiring public adjusters:

  • Efficient resolution: Filing a claim yourself can be laborious, especially if you don’t have an understanding of legal proceedings. Public adjusters can help you navigate the process, and avoid any tactics your insurers might have deployed to delay the process.
  • Better claims management: Public adjusters can manage the entire claims process on your behalf and in your best interest, allowing you to focus on getting in better shape.
  • Bigger settlement: Insurance companies often say they will give the maximum settlement – but in reality, they rarely do, and might even employ unethical tactics to keep it that way. Public adjusters are well aware of these and will make sure to prevent insurers from paying you any less than you deserve.

Step 5: Move-In To Your Restored Home

Always remember to return to your home only once you have the approval from your insurance and your restoration company. This is both for your safety and for legal reasons. While your claims process might not have been completed when you move in (which is usually the case) – returning to where you live will give you a great sense of peace.

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Previous: You Don’t Have to Accept Cleaning as an Alternative to Replacement on Your Claim
Next: Important Things to Know About Insuring a Rental Property

Recent Blog

  • Important Things to Know About Insuring a Rental Property
  • Your Guide to Dealing With Storm Damage to Your Home
  • You Don’t Have to Accept Cleaning as an Alternative to Replacement on Your Claim
  • What Is Covered Under Your Condo and Townhome Insurance Master Policy
  • How to Prove Your Property Insurance Claim
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Archive

AmeriClaims, Inc.

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Lucy Fyfe

5 months ago

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Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Amy and Josh at AmeriClaims helped one of my clients with a dire situation. We are so grateful and delighted we were able to find them at the right time. They are going in my contact list for anyone in need. Thank you so much for your professionalism and assistance.

Rhonda Jane Catha-Kramer

8 months ago

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From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

From the first phone to the final in person visit Americlaims Andy we're the embodiment of professionalism, knowledge, integrity, and often times emotional support during venting about State Farm Adjuster, Verna, and the inexcusable business practices. Andy walked us through the fire and we came out the other end receiving what was legally owed. If you are struggling with your insurance adjuster then call Americlaims and let them know we sent you

SNS Realty

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Sohil Shah

8 months ago

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This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

This team did an excellent job on handling my insurance claim.They handling everything from start to end and got me the most out of my insurance claim. They are honest and trustworthy which is what I ask for when doing business. Highly recommended.

Dean Barley

1 year ago

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Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Without a doubt these folks FAR EXCEEDED what I ever imagined they could do. They were there every step of the way to help me. I would never have received what I was entitled to without their help.

Omar Leonard

1 year ago

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Lessie Fowler

1 year ago

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Annette Metz

1 year ago

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Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya was amazing at handling everything for me after going through such a traumatic experience and any problem I had she was only a phone call away and I had results or a solution by the days end Very professional company and well worth the money and I would definetly recommend Americlaims to anyone needing this kind of service after a loss Tonya is a great people person and went above and beyond to make sure I received what i was insured for Thanks again Tonya...

Tonya LaRocca

1 year ago

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Summer Berry

1 year ago

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Stefanie Shiramizu

2 years ago

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Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Americlaims may be the best thing that has ever happened to us. We cannot thank them enough for all they did for our family. Last year, my husband and I bought our first home....and our first night there literally 4 hours into being in our new home, our moving truck was stolen out of our driveway, with all of our belongings in it. We had the clothes on our back, and that was it. We lost everything we have ever owned. My fathers ashes, family heirlooms, wedding photos...not to mention all of our furniture, electronics, checkbooks, college diplomas, clothes, our doctoral white coats...etc I called my home owners insurance company to initiate a claim, and they sent me a blank piece of paper and told me to just write everything down we lost. We didn't even know where to begin. It was overwhelming.Someone told us about public insurance adjusters. And honestly we didn't know that companies like Americlaims existed. But we met with Tonya....and it was the best decision we've ever made. Tonya worked diligently to file our claim. She provided us with all the tools and info we needed to recall what we lost. She helped us itemize, price, and negotiate with our insurance company so that we could be compensated fairly for our losses. She was 100 on our team. It's been almost a year since our theft, and we are just wrapping up with this insurance process. And I just can't thank Tonya and Americlaims enough for all they have done for us. It made a very hectic and stressful time much more manageable. As a newly married couple, they honestly gave us the opportunity to get our life back. Without them we would have had to start over using all of our savings.

Debra Massey

3 years ago

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Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

Professional and courteous. Knowledgeable of the claim process. Took the stress of filing our claim off of us. Consistent follow up. Talk to us and not at us. Recommend highly. Debra

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