Did you know that June begins Hurricane Season? This means that along with receiving warmer weather, we are also likely to have more storms, some more severe than others. When you experience a hurricane, especially a strong one, you may receive damage to your home or your vehicle. We’re here to inform you of what to do when your car or home receives damage.
Take pictures of the damage
The first thing you should do is take pictures of the damage that has been done. You may want to wait until the storm is over because it can be dangerous being outside during a severe storm, but as soon as it is safe, take the pictures. You may also want to make a list of everything that was damaged, including the time that the damage occurred.
Keep all of the damaged property
You may have the urge to clean up and throw away some of the damaged property, but it is important to keep the damaged items until the claims adjusters’ agreement is complete. For example, if shingles were blown off your roof, don’t throw them away. Keep them until all processes are done and final.
Contact your insurance company
Once the storm has subsided and you have all of your information together, contact your insurance agent. Let them know exactly what happened and exactly what is damaged. Inform them that you have pictures and notes that you have taken and find out how to get that information to them. Your agent should be able to point you in the right direction and get you started on the repair process.
Keep receipts and documents
This may vary based on what your insurance agent says, but as a general rule of thumb, any repairs that you make, keep the receipt. You may need them to be reimbursed by your insurance company. Or if not possible, you may be able to use them elsewhere, such as for taxes.
You also want to keep the documents from the insurance agency. They may email or mail you forms that you need to complete, or even documents that state what they are going to do/have done for you. It is always a good idea to keep important documents.
We always hope that during hurricane season we do not receive any harsh weather, but we must prepare for the worst possible scenario. If you are unsure about one of your policies, or have questions regarding one of these processes, make sure to contact Singh Insurance and Financial Services. We’ll have you squared away in no time!