Archived Storm Damage Blog Posts
Don't Wait for an Insurance Adjuster To Take Action After Storm Damage
You can minimize the damage after a storm by taking simple steps to protect your insurance coverage.
Storms can wreak havoc on residential properties; wind and flood damage can lead to significant primary and secondary damage. Even if you have flood insurance, it is crucial you do everything in your power to minimize damage and protect your claim, especially since insurance adjusters will likely be delayed following significant storm surges.
Water and storm mitigation experts in Clearfield, UT, recommend taking a pre-emptive approach to storm cleanup. Instead of waiting for an adjuster, reach out to a remediation specialist to start the restoration process, including:
Prevent Further Damage With Mitigation Protocols
If you want to protect your insurance coverage, you will need to take action after a storm. Most insurance companies require policyholders to mitigate further loss and damage in order to receive the total value of their coverage.
If you fail to clean up excess water or take action to minimize the risk of further damage, like mold damage, an adjuster can deny your claim altogether. Thankfully taking action does not have to be challenging. You can contact a mitigation company for assistance. The business will send out a team to assess the damage and take any necessary mitigation measures.
These services commonly work with insurance companies, so it is not unusual for them to understand what is needed to protect your policy and ensure you’re covered. You might want to contact your insurer to explain that you are calling a service, just in case there are any requirements in your policy you need to know about.
Mitigation Services Can Help With Cleanup While Keeping a Record of Loss
Most flood insurance companies will require a loss statement, including pictures and receipts of items damaged in the flooding. While homeowners can be hesitant to clean up after a disaster, worrying the cleanup will undermine the valuation, a mitigation and restoration service will document everything and help you establish a thorough report.
Restoration service will also create an itemized list of the services rendered or recommended, providing you with justification for any and all expenses. Ultimately, using a service helps ensure there is a record of every detail of a disaster for the adjuster when they arrive.
Rebuilding After Storm Damage
Once the adjuster has time to assess your property and claim, the restoration company should have a projection of the total cost of restoration. Your adjuster will be able to review all of the recommendations and determine whether the quote is fair and feasible.
The adjuster can then determine the amount you are covered for and provide approval for the continuation of work. Obviously, as the homeowner, you have a say in which company completes the restoration, but your insurer might have suggestions.
While flood insurance is helpful, especially after a storm surge, the homeowner needs to understand that response times after a flood can be slow. You do not have time to wait for an adjuster. You will need to take action to protect your policy and claim. After a flood or storm damage, make sure to take mitigative steps to protect against secondary damage.
How To Stay Safe After a Flood Invades Your Home
Street flooded in Clearfield, Utah
Flooding is a disaster that can happen in virtually any area, given the right set of circumstances. Whether from a hurricane that affects hundreds of miles of land or heavy rain that rushes into your basement, it can have devastating effects on the property, causing safety issues for you and your family. Familiarize yourself with the steps for flood safety before your home in Clearfield, Utah, is in a flood.
1. Investigate for Property Damage
Investigate your property for damage, such as downed power lines and structural harm, such as foundation cracks.
2. Check the Water Supply
You must check your water supply before you use it to make sure it's not contaminated. To be safest, check with your water supplier to make sure it's safe for drinking. Flood safety experts will advise that until you know for sure, you can boil water when you need clean water for drinking, washing, making ice, or preparing food.
3. Wear PPE for Cleanup
Before you begin cleaning, it's vital to wear personal protective equipment to keep you safe and avoid cross-contamination to unaffected areas. Safety glasses, a respirator, latex gloves are the minimum PPE you should wear.
4. Dispose of the Unsalvageable
Unfortunately, there could be a lot of unsalvageable property, and it's crucial to remove them from the area as soon as possible. This action will make more room for flood damage restoration professionals to operate. Food, medications, and cosmetics that have come in contact with the water must be thrown away. Soaked carpet and sections of drywall must be removed. Also, any saturated porous objects, such as wooden or upholstered furniture that can't be cleaned and thoroughly dried within 48 hours will need to be thrown away.
Being aware of flood safety methods can keep you safe and minimize property loss. Prepare for the possibility of the unthinkable by remembering these essential safety tips.
Tips for Repairing Your Roof After a Storm
A storm may leave severe roof damage.
A dangerous storm in Clearfield, UT, can cause more than just flooded streets. It may also wreak havoc on your home. Hail and debris caught in wind currents can leave you in need of some serious roof repair. Knowing the right steps to take can help you minimize overall damage and protect your home.
3 Tips to Minimize Damage After a Storm
Contact Repair Professionals
Before you can fix the problem, you need to know how much roof damage you have. Roofing professionals are trained to spot problem areas:
- Broken or missing shingles
- Damaged flashing
- Dented gutters and spouts
As soon as they know what they need to fix, they can start the repair process. They replace broken materials and get your roof back to normal.
Board Up Vulnerable Spots
An important part of the roof repair process is protecting the vulnerable spots that the storm left behind. If your roof has a lot of damage, the technicians may not be able to fully restore it in one visit. In the meantime, you will need board-up services to keep additional precipitation, dirt and pests from getting into your home through the open spaces.
Exterior hail and wind damage are not the only issues you need to address. If the protection your roof offers is compromised, you may also have some water damage inside your attic. Storm damage mitigation experts can find the problem and remedy any issues that roof leaks have caused. The faster they are able to tackle the problem, the less secondary damage you'll have to worry about.
There are multiple factors that could cause serious damage to your home during a storm. Hail, high winds and heavy rain can lead to costly roof repair. It is important to call for a professional inspection right after the storm passes so that any necessary repairs and mitigation can start as soon as possible. Protect your home from further damage by acting quickly.
3 Ways To Prevent Extensive Roof Damage After a Storm
Torrential hail can cause damage to your roof.
High winds and powerful storms can impact your Clearfield, UT, home from its foundation to its rooftop. In fact, your home’s roof can be especially vulnerable to wind and hail storms, resulting in costly roof repair bills once they pass.
3 Things To Do To Prevent Further Damage To Your Roof
Here are some actions you can take directly after a storm that may prevent further damage to your roof until a contractor can arrive.
- Inspect the Damage From the Ground
Once a storm passes and you suspect wind damage to your roof, the simplest way to detect any immediate problems is to go outside and look for them from the ground. Use a pair of binoculars to get a bird’s-eye view of areas that show missing shingles and note any damaged flashing as well. Take photos of visible problems so you can submit them to your insurance company and file a claim as soon as possible.
- Cover Damaged Areas
Covering roof damage can help you protect the inside of your home, especially if the roof is leaking into the attic. Leaks can affect drywall and ruin insulation, so using waterproof tarp and ensuring the affected sections are secure can prevent these costly problems. This can be particularly helpful if your roofing contractor is busy after a storm and cannot get to your home right away.
- Call for Restoration Help
If torrential hail and high winds caused water leaks into your attic, calling in the services of a storm cleanup and restoration company can be effective for reversing this damage. Storm cleanup technicians can inspect your attic, perform flood cuts to inspect interior walls and check for mold growth to ensure the space is properly cleaned and repaired.
Roof repair is often a common necessity after storms move through Clearfield, UT. However, knowing how to stem the worst of the damage until more in-depth repairs can be made may prevent leaks and other problems inside your home and keep your flood repair bill under control.