A flood can be a homeowner’s worst nightmare, especially if it engulfs almost the entire house like many of the homes that were made uninhabitable by Hurricane Katrina a few years ago. In case you ever have to face this catastrophe, here are a few tips on how to deal with it and file the insurance claim. Depending on the amount of water damage to your home, it may be salvageable and it may not, but the first step is getting your claim filed.
The first thing you should do after the water has been cleared from your home, call your insurance agent or company as soon as you can. If you can, have your name, policy number, and a phone number or e-mail address that you can be reached at handy when you call. This will speed up the process more than you think.
When you’re filing your claim, request a time frame for when your adjuster will be sent to your home. Try to be patient, especially if you live in an area that has withstood extensive damage due to a river flowing over its banks or a dam that has burst. The water damage to your home depends upon just how high the water rose in and around it.
Once the adjuster has become available and is able to reach you and your home, he or she will help you determine just how much they are willing and able to compensate you for the loss of your property and help determine just how extensive the water damage is.
If your contact information changes in any way, let your insurance adjuster know as soon as possible. If you’re in a shelter of some kind or staying with a relative or friend, give your adjuster the name of someone who has the ability to reach you. If you can’t get home, it’s best to make a list of as many items as you can think of that may need to be replaced or repaired in your home. Computers, television sets, clothing, expensive electronic equipment, books, and etcetera should be listed here. List anything of value that could have been water damaged or lost.
If you can return home, you should separate the damaged items from the undamaged items and take pictures of your property to give the adjuster a good idea of the kind of loss you have endured.
Even if this event has never happened to you or if you’re not expecting any water damage like this to your home any time soon (and who really is), one of the best things that you can do for your home is to take a video every year of your home and its contents. Put this video in a waterproof (and fireproof) safe in case the unthinkable ever happens.
Jim Corkern is a writer and promoter of quality
water damage restoration and
mold remediation companies across the united states.
Thursday, October 11, 2007
Tips On Preventing Wildfire Damage
While a house fire may be one of the most preventable disasters to happen to a home, a wildfire can be one of the least preventable on a small scale. Prevention of wildfires requires that a large number of people do what they can to make sure that the wildfires that do start are not manmade, but this awareness is only just now starting to catch on. When the fire is creeping toward your home, you are not likely to care what caused it, only what you can do to slow it down and in fact, there are a few different things that you can do to minimize the damage.
You may enjoy living in a more rural area, but you are at a disadvantage when it comes to wildfires because this is where they begin. One of the bad things about living in a rural area is that fire departments are not as prevalent, so the response to your home may not be as quick as you need it to be.
If you are contemplating having a home built for you, have it made of fire-resistant materials. Houses with an exterior made of brick, stone, or even metal will resist catching on fire much more than those that have exteriors made of wood or vinyl siding.
The most important exterior surface of your home is the roof. This is the largest surface area on the exterior of your home and it should be made of fire-resistant materials instead of the traditional wooden or oil-based shingles. Everyone knows that oil catches on fire very easily, so if you live in an area that is prone to wildfires, you may want to have another roofing material put on your home. Something else to do with your roof if a wildfire is nearby is to wet it down with the garden hose. This will give a little extra protection against the firebrands that are being carried in the air by the wind. Wetting the exterior walls of the house and wood decks is also a very good idea.
Do not allow any dead vegetation to build up in the yard. This includes grass cuttings, sticks, dead plants, and leaves. If a wildfire starts before you have a chance to get these dead organic materials cleaned up, all you can do is soak them and the rest of the yard with water via the hose and hope for the best.
Trees should also not be located close to the house, especially if the branches hang over the roof.
Jim Corkern is a writer and promoter of quality
Connecticut Mold Remediation services and
flood and water damage cleanup companies across the united states.
You may enjoy living in a more rural area, but you are at a disadvantage when it comes to wildfires because this is where they begin. One of the bad things about living in a rural area is that fire departments are not as prevalent, so the response to your home may not be as quick as you need it to be.
If you are contemplating having a home built for you, have it made of fire-resistant materials. Houses with an exterior made of brick, stone, or even metal will resist catching on fire much more than those that have exteriors made of wood or vinyl siding.
The most important exterior surface of your home is the roof. This is the largest surface area on the exterior of your home and it should be made of fire-resistant materials instead of the traditional wooden or oil-based shingles. Everyone knows that oil catches on fire very easily, so if you live in an area that is prone to wildfires, you may want to have another roofing material put on your home. Something else to do with your roof if a wildfire is nearby is to wet it down with the garden hose. This will give a little extra protection against the firebrands that are being carried in the air by the wind. Wetting the exterior walls of the house and wood decks is also a very good idea.
Do not allow any dead vegetation to build up in the yard. This includes grass cuttings, sticks, dead plants, and leaves. If a wildfire starts before you have a chance to get these dead organic materials cleaned up, all you can do is soak them and the rest of the yard with water via the hose and hope for the best.
Trees should also not be located close to the house, especially if the branches hang over the roof.
Jim Corkern is a writer and promoter of quality
Connecticut Mold Remediation services and
flood and water damage cleanup companies across the united states.
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