Restoring South West Florida
FLORIDA LIC# CBC1266101 Get a peace of mind!
Call 727-215-1290 or 239-544-6653
Advice from a restoration contractor
Hurricane Ian
Before The Storm:
- Take photos of your property- Interior of Home, Exterior of Home, Roof, Pool and Pool Area, Fencing, Trees, Front Yard, Back Yard.
- If you are not able to take photos before a storm, collect the most recent photos you have taken of your property.
- Document belongings- with proper documentation, you may also be able to recover lost expenses for home contents, personal property, and other items. Here is a list of some items to consider keeping receipts for or appraising: Televisions, Furniture, Jewelry, Artwork, Appliances, Computers, Antiques, Beds, Decks, Other Electronic Equipment
- Know what is in your homeowner's insurance policy.
- Have records of your property's condition in the event that you need to file a claim with your insurance company.
- Review your mold coverage.
- Review your flood coverage. This is normally separate insurance policy.
- Ask your insurance agent about coverage for water damage, law and ordinance, debris removal, and additional living expenses.
- Check your hurricane deductible, it can be much higher than your regular deductible.
- Have a plan to move yourself and your family - especially those with special needs.
- Have a portable radio, TV or NOAA Weather Radio on hand to monitor important information.
- Homeowners who depend on well water should draw an emergency supply.
- Get cash or travelers checks in case banks or ATMs are not operational.
- Ensure all your electronic/mobile devices are fully charged.
- Gather important documentation and place in waterproof container.
- Make arrangements for pets; emergency shelters may not let you bring your animals with you.
- Find out where the nearest shelter is located and the routes to get there.
- Fill your automobile(s) with gas or ensure your electric vehicle is charged.
- If you have an emergency power source, learn how to use it properly.
After The Storm:
- When it is safe to do so, photograph your property’s: Interior, Exterior, and Roof
- Consult with an attorney experienced in handling insurance claims before giving any recorded statements or meeting with an adjuster assigned to the claim.
- Call the insurance carrier and timely report the claim.
- Homeowners should obtain an inspection by a qualified contractor and/or roofer to assess whether the hurricane force winds have damaged or diminished the roofing system and building envelope.
- Take photos and record the questions and answers when talking to adjusters.
- Make sure to keep track of the name and number of every person you talk to at your insurance company.
- Check your Co-Insurance penalties.
- Make a copy of the insurance policy and keep it in a safe place.
- Check your policy coverages and sublimits.
- Just because water has not began to enter the structure does not mean that there is not damage to their property.
- We have seen too many homeowner claims where an engineer is hired months after the storm and the engineer states the damage preexisted the hurricane.
- For more information about the work we do with insurance claims call 727-215-1290.
