Severe weather can cause a lot of damage from lightning, trees and water. Here are a few safety tips and best practices:
1) Buy, rent (Home Depot, Lowes, etc.) or borrow (from a family member or friend) a backup generator to restore power so you can maintain lighting and other core utility services.
2) If you have water in your basement due to sump pump failure or overflow – do everything you can to prevent further damage by moving contents to an unharmed area of your home and utilize fans to mitigate any possible mold issues. It’s critical to call an emergency restoration company ASAP to help assist if the water is significant. You have coverage for this up to your sump and sewer back up limits on your homeowners policy.
3) If you have damage to your roof, siding or windows – do everything you can to protect the damaged area to prevent future damage. This is the duty of the homeowner.
4) Take pictures – your insurance company will do everything they can to get onsite in the event of a claim but due to volume it may take a couple days.
5) If you have damage caused by a tree – it may be wise to have a licensed tree contractor out ASAP to mitigate any future property damage or bodily injury.(*Your insurance company will generally only pay for debris removal up to your policy limits for those areas impacted by a covered loss.)
6) If you light candles be sure you monitor them closely as they are a very common cause for major fire losses in a home.
1) Look into a sump pump emergency/battery backup. This could save thousands of dollars in the future.
2)Do you have an alarm in your home? Contact your local provider and ask about cellular or battery backup so if the power does go out – your home is still secure and safe.
3) Develop a list of trusted contractors for emergency situations so in advance you are prepared for any situation.