As I sit here today, overwhelmed with the sound of chainsaws still whirring in the distance and a second storm hitting Florida, thoughts of what will come next burst into my emotions.
Many of us are dealing with storm damage to our homes. This can feel overwhelming, especially when you’re faced with the daunting task of excessive repairs or even the possibility of totaling your property. The emotional and financial toll will be significant. However, homeowners’ insurance should be there to help shoulder the burden and guide you through the process of restoring or selling your property. Let’s walk through the steps to take after your home has sustained storm damage, and how to effectively use your insurance policy to ease the costs.
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Ensure Safety First
Before focusing on the details of insurance claims and repairs, it’s essential to ensure the safety of you and your loved ones. After a storm, check for immediate hazards like downed power lines, gas leaks, or structural damage that could make your home unsafe to enter.
If your home has suffered significant damage, you may need to temporarily relocate. Your homeowners’ insurance may include coverage for additional living expenses, such as hotel stays and meals. These may be reimbursable expenses so check with your insurer about this benefit.
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Document the Damage
Once it’s safe, begin documenting the damage. Take clear photos and videos of every affected area, including both the exterior and interior of your home. Be thorough in capturing all signs of damage, whether it’s roof leaks, broken windows, or water-stained walls.
Having this documentation will be critical when you file your insurance claim, as it provides proof of the extent of the storm’s impact. Don’t make any major repairs just yet, but feel free to take temporary measures to prevent further damage (like covering broken windows). Insurance companies typically cover the cost of these temporary fixes as part of your claim.
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Contact Your Insurance Company
Next, reach out to your insurance company to start the claims process. It’s a good idea to have your policy number on hand and be ready to describe the damage. An insurance adjuster will likely be sent to assess your home in person.
While the adjuster’s visit is an important part of determining the reimbursement amount, it’s important to keep advocating for the full extent of your claim. Make sure you have your documentation (photos, videos, and even receipts for emergency repairs) ready to share. If the damage is severe, consider hiring a public adjuster who can work on your behalf to ensure you receive a fair payout. Sometimes, it’s best to have multiple estimates before your adjuster even arrives. This will help ensure you get everything you need and put you in an advantageous position should they underestimate the costs.
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Decide: Repair or Sell?
Once you have a clearer understanding of the insurance payout, you’ll need to decide whether to restore the home or sell it as-is. Here are key considerations for both options:
Restoring the Home: If you decide to repair the damage, your insurance payout should cover the costs up to your policy limits, minus your deductible. Be sure to get quotes from reputable contractors and take your time in hiring someone who is licensed and insured. A quality repair can not only restore your home but potentially increase its value if you decide to sell down the road.
Your insurance company may issue funds in stages, with an initial payment upfront and additional funds as repairs are completed. Keep in close contact with your insurance provider and contractors to stay on top of the process. Keeping up with everything will feel like a full-time job and overwhelming. Remember that you are not alone, your adjuster is now your new best friend.
Selling the Home: If the damage is extensive and the emotional or financial burden of repairing the home feels too great, you may choose to sell the property as-is. Selling a storm-damaged home is possible, especially with the aid of your insurance payout, which can cover some of the losses. This route can help alleviate the stress related to short-term rentals, giving you the chance to buy something else you can move into quickly.
If you go this route, you might want to contact real estate agents who specialize in damaged properties or even cash buyers who purchase homes in any condition. While you may not receive as much as you would for a fully repaired home, the sale can offer a fresh start and immediate relief from further repair costs.
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Understand Your Policy Coverage
Homeowners’ insurance policies typically cover damage from storms, but it’s important to know the specifics of your policy. Most policies cover damage from wind, hail, and lightning, but if your damage was caused by flooding, you may need separate flood or hurricane insurance to be fully reimbursed.
Now is the time for all of us to speak with our insurance agent about deductibles and coverage limits, and if you’re unsure about what’s included, don’t hesitate to ask for clarification. Understanding your policy fully will empower you to make informed decisions about repairs moving forward.
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Take Care of Your Emotional Well-being
Finally, remember that storm damage is not just a financial strain but an emotional one as well. Your home is more than just a building; it’s a place where memories are made. It’s normal to feel overwhelmed, sad, or even anxious during this time. Give yourself grace and allow yourself time to process your emotions, whether it’s by talking to family, and friends, or even seeking support from a professional. Remember to breathe and that you can do this.
Restoring or selling a storm-damaged home can be a difficult journey. Your homeowners’ insurance policy is a key resource in navigating this process, and by taking the right steps — from documenting damage to deciding on repairs or sales — you can find a path forward that best suits your needs. Whether you choose to rebuild and continue living in your home, knowing your options and leaning on your insurance policy can make all the difference.
For more information, visit Shawna’s Thought Leader page HERE.
Shawna Woodward
130 North Belair Road
Evans, GA 30809
Phone: (706) 993-1133 or (706) 399-8707
Website: https://www.mhpaugusta.com/
