Steps to Take After Your Home Suffers Storm Damage

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When severe weather strikes Charleston, it can be a little startling for the average homeowner to confront storm damage. Oak Angel Builders understands the stress this situation can bring. Homeowners need to act fast to ensure minimal life disruption, that their home is safe, and to deal with home insurance, especially for cases like flood damage.

In this article, we’ll explore the essential steps to take after your home suffers storm damage, helping you protect your property and expedite the recovery process.

Step 1: Ensure Safety

switching off plug off electrical cable for safety

After a storm causes damage to a home, safety becomes the top priority. Homeowners should assess their surroundings carefully, looking for hazards like fallen power lines, unstable structures, or a flood. If water has entered the home, residents must exercise caution due to potential electrical dangers such as live electricity in the water.

Inspecting the roof for damage is crucial, but should only be done from the ground or through windows to avoid accidents. Maintaining adequate heat in the home during cold weather prevents pipes from getting too cold and bursting.

Professional contractors can perform thorough safety assessments and identify hidden dangers that may not be immediately apparent to homeowners. They can also advise on temporary measures to secure the property and prevent additional storm-related damage while waiting for permanent repairs.

Step 2: Document the Damage

picture of a damaged furnitures after the storm

After a storm, homeowners should document all damage thoroughly. This process begins with a careful inspection of the property, including the roof, siding, windows, and any areas affected by fallen trees or debris. Photographs and videos provide important evidence for home insurance claims and repair estimates.

Special attention should be given to signs of water intrusion, such as leaks or moisture stains. In cases of severe storms like tropical cyclones, homeowners should also check for structural damage and potential electrical hazards. It’s important to create a detailed inventory of damaged items, noting their condition and approximate value.

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Professional contractors can assist in assessing and documenting damage that may not be immediately visible to the untrained eye. They can provide expert opinions on the extent of the damage and necessary repairs. Here’s a step-by-step guide for documenting storm damage:

  • Ensure personal safety before inspecting the property
  • Take photos and videos of all visible damage
  • Document any water intrusion or leaks
  • Note fallen trees or debris on the property
  • Check for signs of electrical damage
  • Create an inventory of damaged personal belongings
  • Contact a professional contractor for a thorough assessment

Step 3: Contact Your Insurance Provider

homeowner on a phone call with house insurance provider

Homeowners should report the damage as soon as possible, whether it’s caused by wind, fire, or a natural disaster like a tornado. Many insurance companies have specific time limits for filing claims, so swift action is essential.

When contacting the insurance provider, homeowners should be prepared to provide detailed information about the damage. This includes the date and time of the incident, a description of the damage, and any immediate actions taken to prevent further harm. It’s important to ask about coverage for temporary living expenses if the home is uninhabitable due to storm damage or carbon monoxide concerns.

Insurance providers typically send an adjuster to assess the damage in person. Homeowners should be present during this inspection to point out all areas of concern. Here are the key steps to follow when contacting your home insurance provider:

  • Gather policy information and contact details
  • Call the insurance company’s claims department
  • Provide a detailed account of the damage
  • Ask about coverage for temporary repairs
  • Schedule an appointment with an adjuster
  • Document all communication with the insurance company
  • Follow up regularly on the status of your claim

Step 4: Mitigate Additional Damage

home contractor fixing and investigating roof damage

After a storm, homeowners must act swiftly to prevent further damage to their property. Emergency measures include covering broken windows, placing tarps over damaged roofs, and removing standing water to minimize the risk of mold growth. Addressing these issues promptly can significantly reduce repair costs and prevent long-term structural problems.

Professional contractors play a vital role in damage mitigation, especially in complex situations involving sewage backups or extensive water damage. They can assess the full extent of the damage and implement effective solutions to protect the waste property from further harm. Here are key steps to mitigate additional damage:

  • Secure the property by boarding up windows and covering roof damages
  • Remove standing water and begin the drying process
  • Inspect for gas leaks and shut off utilities if necessary
  • Clear gutters and downspouts to prevent water buildup
  • Document all temporary repairs for insurance purposes
  • Monitor weather forecasts for potential follow-up storms
  • Consult with professionals for complex issues like sewage backups

Additionally, a project manager can oversee the entire process, ensuring that all necessary steps are taken efficiently and effectively. They can streamline the recovery process by coordinating with contractors, insurance adjusters, and other professionals, ensuring that the repairs are carried out promptly and correctly.

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Looking for an expert for your home repairs? Try Oak Angel Builders

Many insurance companies allow you to choose your contractor when it comes to rebuilding your home. We can work through it. Choosing the right partner is the key to unlocking an exceptional custom home experience in Charleston. With our expertise in helping customers settle on a design and running construction, Oak Angel Builders is the best remodeling contractor in Charleston for custom home design projects and home repairs.

From concept to completion, we help customers streamline the construction process, ensuring every detail is meticulously crafted to your specifications. And with the region’s best 5-year workmanship guarantee, we back up our claims on every job for natural disasters.

Elevate your home-building experience and partner with Oak Angel Builders today.

Frequently Asked Questions

To clean up after an ice storm, start by clearing fallen branches and debris. Remove ice from walkways and driveways using salt or sand. Check for roof damage and clear gutters of ice. Inside, look for water damage from ice dams or burst pipes. Allow frozen items to thaw gradually to minimize damage.

After a storm, avoid walking under damaged trees or powerlines. Don't use electrical appliances in flooded areas. Refrain from attempting major repairs yourself, especially if you lack proper equipment or expertise. Don't dispose of damaged items before documenting them for insurance claims.

To choose a contractor for storm damage repair, we feel that you have to get multiple estimates from licensed, insured professionals. Check references and reviews. Ensure they're experienced with storm damage and can work with insurance companies. Get a detailed written contract and avoid paying large sums upfront. Evaluate any risks associated with severe weather before making any decisions.

When filing an insurance claim for storm damage, include detailed descriptions and photos of all damage. List damaged items with their value and age. Include repair estimates from contractors. Document any additional living expenses if you're displaced. Keep all receipts related to immediate repairs or mitigation efforts.

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