Storm season is upon us. Thunderstorms, wind and hail are not that far off. Preparedness is the key for you and your family to survive storms unscathed. Mother Nature may take her toll on your home and property, but there are steps you can take to ensure all is not lost. If you find yourself in the position of receiving a low-ball offer from your insurance company, you have every right to fight it. Call Norcia Insurance Consultants when damage to your Minnesota home creates an insurance dispute.
Be well aware of the types of potential weather disaster your particular area is prone to. Create your disaster plan, establish what will constitute an evacuation need and where you will go (geographically) from there. Make sure all family members, those beyond kin that you will be including in the evacuation plans (crew, entourage, posse) are on the same page and are aware of the exact plans should that nightmare scenario unfold. If you do not already have one created, set up an emergency preparedness kit that contains first aid items, water, batteries, flashlight and radio, at a minimum.
Some steps you can take to protect your family and your home:
- Keep gutters free of debris
- Keep patio furniture on lockdown
- Mount storm shutters
- Seek shelter in a basement or interior room when the storm hits
- Stay on top of weather forecasts
- Trim tree limbs
After the storm hits a homeowner needs to be prepared for the possibility of damage to their property. Eye up your home’s exterior, make note of items that may be missing or the damage that may have been done. Even the smallest hole created by a piece of hail can open a can of worms of destruction in or on your house. Evidence gathered, review your policy a bit—see what is (or should be) covered. Next, get a hold of your insurance agent to file a claim. A representative from the company will come to your house, assess the damage, get an estimate and you will be offered a payout for what THEY think the repair should cost.
Filing an insurance claim doesn’t have to ugly. Advocates for your cause are a mere phone call away. Help exists to help you through all of the hoops you have to jump through, answering your questions along the way. Talk to the insurance adjusters at Norcia today to learn how we can help you with your insurance disputes.