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4 Tips and Insurance Claims Advice after Storm Damage

Jan 4

If you don't maintain regularly the property you own, your storm-damaged insurance claim might be denied by your insurance company because of contributory negligence. Insurance laws generally require you to use reasonable care. The most basic preventative maintenance falls within this category. This article comes from licensed public insurance adjusters in Las Vegas and restoration experts.

The preventative maintenance tips provided below are key to preventing unavoidable storm damage. this will ensure that any damage that occurs unexpectedly will be protected by your insurance provider. The most effective advice we can offer is to speak with an approved public adjuster, or restorations expert to assist you in identifying problem locations in your home's outside and interior so that you're fully avoiding storm damage . You should also be prepared to deal with any unexpected damage like the kind caused by extreme weatherconditions, hail heavy rains, floods and high winds.

#1 Clean Your Guts

It can be a dirty chore, but it's vital to have functional gutters in order to prevent as much destruction from storms as you can. A gutter cleaning service is available in the event that you're unable to climb up the ladder. This service is offered by certain roofing companies as well as other companies. Make sure your downspouts are in good condition for proper drainage of the water away from the home's foundation.

#2 Examine your roof for leaks

Inspect your roof for existing leaks. Check flashings on roofing systems that are located next to chimneys and walls for any cracks. Also, look whether there are any missing shingles. A non-expert will not be able to spot minor roof leaks. Even minor leaks can result in major storm damage to your home. Because most insurance policies demand homeowners to perform periodic, basic preventative maintenance it is essential to have an expert inspect your roof in order to spot any problem areas. Get a licensed roofing professional to conduct a roof inspection (most will do it for free) and ask them to make any repairs needed so that minor leaks don't turn into major damage.

Clean your gutters to stop storm damage and water leaks when severe storms hit

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#3 Inspect your Home's Foundation for cracks, Gaps & Potential Leaks

The majority of homeowner's insurance policies prohibit the entry of water into a house through the exterior. A lot of people aren't aware that floods are an additional insurance coverage that is covered under a different policy (if available or even offered) and that water coming infiltrating from the outside is thought to be an event of flooding. It is advised to speak with an expert contractor to repair any leaks found, however you can prevent the entry of water into the home through caulking cracks or gaps around doors and windows with a siliconized exterior caulk such as GE Siliconized Sealant.

#4 Verify Property for Trees that can be cut down and cause Damage

Check the trees around your home. If they are sick or dying, they are more vulnerable to being crushed by powerful winds, which can cause significant destruction to your home. A professional will be able to eliminate any dead, dying or weak trees that are on your property.

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