Make a plan before you are hit by a storm.
Having a storm plan is important. This can be in the form of a manual or computer program to be followed before and during a storm. Knowing the roads in and out of your home and knowing the next steps in the storm process are important. Knowing what the safest and most likely paths to your home are can keep you safe. If you cannot take the time to make a storm plan then do not venture out. It is also best to have a pre-storm meeting to discuss storm damage issues and plan for the storm. Have everyone you need to be aware of storm issues at your home, at work, and on the vehicles you use to go to the storm.
Check on your home from time to time.
You can conduct a periodic check on your home to make sure it is fully protected from flooding. If you are not going to be out after the storm then this is the time to check. If you’re going to be out and if it is in your best interest to do a periodic check, be sure to update your storm plan to keep everyone on the same page.
Be sure to close and seal all areas of entryways and windows.
Make sure to close and seal all entryways and windows and be sure to use safety pins to secure the window. After the storm and particularly if you’re going to be out to do a periodic check, keep all family members out of the storm area if at all possible.
In these circumstances you may be able to salvage property from the storm and from inside your home, but you should be prepared to take it back once the insurance claim is processed. You should also file a report of the incident in question. That report will include the storm damage report and you should be able to tell your insurance claim person that you thought it would be safer to take shelter if certain family members were present. That will help your claim and you should receive a letter about the incident from your insurance company after the claim is processed. It may be months before you get any reimbursement for the property damage that was sustained in the storm.
If your property sustained major damage in a windstorm, a home insurance claim will cover your loss. That’s the only insurance claim program to cover a family member’s home during a windstorm. However, there are certain steps you need to take to protect your claim.
If you think you might need to file a windstorm insurance claim, talk to your insurance agent, or contact your insurance company, about what to do during a windstorm. This will help protect your claim. In some circumstances you might have to file a windstorm claim. Some companies will cover the loss of items not inside the home. The items inside your home aren’t covered by any other policies. To qualify for this insurance coverage, you need to have health problems likely to occur in the home, such as asthma. If you meet these criteria, you don’t need to file a windstorm insurance claim.