Spotting and Documenting Storm Damage
Just had a storm blow through your town? Here Stephen Hadhazi, a public insurance adjuster and publisher of DocuDamage.com, an educational consumer website, offers his top tips on how to spot and document storm damage.
Common Signs of Hail Damage:
Cracked windows and window frames.
Dents or pings from hail on open coils of air conditioner.
Small pings in aluminum, garage doors, other metal trimmings
Dents in the metal of the home's fascia board, gutters, downspouts and drip edge.
Common Signs of Wind Damage:
Tree and shrub debris
Damaged exterior of house/garden/outbuildings
Bent or misshapen property fencing
Small nicks in the siding of your home.
NOTE: After a strong wind with heavy debris, your home might need additional cleaning such as pressure washing and repainting.
Documenting the Damage for an Insurance Claim:
Take photos – lots of them and from every angle. Use a digital camera so you can immediately see the quality of your photos.
Use colored or white sidewalk chalk or wax pencils to mark damages as you go through your home.
Take notes as you spot the damage so you'll know what to tell the insurance adjusters when they arrive (e.g. There's a crack in the wall in the kitchen, the bathtub tap now leaks, a window in the back bedroom is broken).
Grab as much documentation for your insurance agent as possible (e.g. home inventory list, old receipts, warranties, photos of possessions, credit card receipts of transactions).
WHN Tip: See Create a Home Inventory List for tips.
On Your Roof
Have someone (preferably a professional roofer) physically climb on and inspect the roof, shingle by shingle by shingle.
Use a piece of sidewalk chalk or a wax pencil to mark the damaged shingles (otherwise you might forget the location of the damages).
WHN Tip: Even brand-new roofs need checked. Just because it's new doesn't mean it can withstand 30+ mph winds.
|After A DisasterSpotting and Documenting Storm DamageJust had a storm blow through your town? Here Stephen Hadhazi, a public insurance adjuster and publisher of DocuDamage.com, an educational consumer website, offers his top tips on how to spot and document storm damage.Securing a Damaged HomeHere's what to do to safeguard your home after a storm or disaster.Safely Reentering an Evacuated HomeBe safe, be smart. If you've been displaced, all you may be able to think about is getting back home. Wait!Replacing Valuable DocumentsHere is contact information for replacing documents and records that have been damaged, destroyed or lost.Rebuilding and Renovating a Damaged HomeAny form of construction can be a lengthy process. Here are some starter tips to get started. Moving Back Home After a DisasterWhile it's very difficult to do, think of this as an extremely extended camping trip as you cope over the next few weeks and months.How to Choose a Contractor or RestorerHiring a contractor or a restorer can be costly, but professionals may be the best way to remove water and mold and get the job done right. Plus, professional restorers can provide helpful hints to prevent further damage.Home Repair and Renovation Steps to FollowFollow these steps to make sure your post-disaster restoration or rebuilding project is done right the first time.Documenting Fire and Storm DamageIf possible, document the internal and external damage ASAP. Talk with recovery officials regarding safety issues you should be aware of - safety first! - as well as key areas/items you should take pictures of.Cleaning Your Home After a Fire or StormAfter your insurance company representative has assessed the damage, you need to make a decision regarding the cleaning of your home and possessions.Home Safety After a DisasterWhat to know about utility service after a disaster.|