What should I know about returning home after a disaster?

When a major natural disaster is headed your way, you may want to evacuate. In serious situations, your local or state authorities may require a mandatory evacuation. Once the disaster has passed, it will eventually come time to return home and determine if there has been any damage to your property. Here are a few things to be aware of.

The structure of your home may be damaged, which can become very dangerous. Only enter your home when authorities say it is structurally safe enough. Be sure not to walk on any floors that aren’t safe enough. If there was a fire, make sure there is no lingering smoke. Don’t turn on any electric, gas, or water lines without permission from a professional. Make sure that there aren’t any live wires and that you wear heavy gloves before touching anything.

Even prior to entering the home, take as many pictures of the exterior and interior damage as you can to give to the insurance company. It is also important to document all of the damage you notice in writing. You will want to have as much information as possible to give to the insurance company. They will come out and assess your property to determine the cost of the damage. You may also want to consult with a public adjuster or another professional who can assess the damage and give you an unbiased opinion. Insurance companies just want to save money and may not tell you that the damage is worth as much as it is. If you believe you are being taken advantage of by your insurance company, contact our firm today.

The Law Office of Craig A. Blumberg is an experienced New York City insurance law firm. If you require quality assistance after having suffered property loss, please contact our firm to schedule a free initial consultation.