When a big storm hits in the Carolinas, you hunker down inside, relying on your home to protect you and your family. Once that storm passes, though, it’s time to repay the favor — identifying property damage and protecting your home from further issues.
The National Storm Damage Center has a number of resources and tips for homeowners. Here are four major things we recommend you check for property damage after a storm:
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Check your roof for property damage
If you see holes, split seams or missing shingles on your roof or if you notice leaking inside or out, it’s a good idea to have a qualified inspector come assess the situation.
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Check your exterior for property damage
Siding, brick and stucco are all vulnerable to storm damage. You’ll want to look for cracking, chipping or dings and dents in siding, and for holes in stucco. Look closely and at different times of the day. Some homeowners don’t notice damage until it’s too late to file a claim, and different lighting can reveal damage you didn’t see before.
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Check your driveways and walkways
Cracking and splitting can create safety hazards, as well as reduce the lifespan of the concrete.
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Check your trees for damage
According to the National Storm Damage Center, fallen trees and limbs cause more than $1 billion in damage annually. Check roofs, vehicles, fences and machinery for fallen limbs that may have caused damage or could pose a risk. Clean up what you safely can and rely on a reputable tree removal service to handle the rest. Depending on the circumstances, your homeowners insurance policy may help with tree removal and damage repair costs – if you experience a covered loss, that is.
A few more helpful tips to manage property damage:
So You Don’t Have Property Damage – Keep trees well maintained and trimmed
Also notify neighbors if you see any overhanging branches on any of theirs. This alone will help to limit property damage.
Before You Have Property Damage – Know your insurance
Take a look at your policy so you know what’s covered, what your limits and deductibles are, etc. This will prevent any surprises during the claims process.
After Your Property Damage – Take pictures
Photographs can help you show the cause and extent of any storm damage that occurs.
Of course, if you’ve suffered through a major storm, don’t hesitate to call us at HFC Insurance for help with an insurance claim or with finding a professional property inspector.
Storm damage will come. Understand your homeowners policy before it’s too late!
Click the link to get our FREE Quick Guide to Homeowners Insurance in Lancaster SC.
