How do I prepare for a storm and deal with insurance after?
When you are expecting a major storm, it is important that you take the necessary precautions that can make all the difference if your home is damaged. Luckily, homeowners insurance can reimburse you for some of the things that are lost.
Before The Storm
The best thing you can do for yourself when you know a storm is headed your way is to take an inventory of all of your belongings. It is easy to do this with photos and videos to keep track of everything. New York State also recommends that you engrave something that only you can identify on certain large items that can be incredibly useful if your belongings are stolen. You should be sure to make sure all of your windows are secure with hurricane shutters if you live in a coastal region. In addition, check that all of the trees on your property are stable and far enough from your home that if one were to fall, your home would not be damaged further.
Property Damage? Now what?
If the storm passes and your property has been damaged, you should always tell your insurance company first. The insurance company will have to send somebody out to inspect the damage that took place on your property. Hopefully, the insurance company quotes you the appropriate amount but it is important to be skeptical of their initial number. Insurance companies are always looking to make a profit so you may want to get a second opinion on the true extent of the damage. If you think your insurance company is trying to deceive you, contact an experienced insurance attorney 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.