This week’s wild wind was not to be taken lightly. I’ve had calls from all over the area to fix roofs, repair gutters, and replace siding that was damaged. While high winds aren’t very common, they can cause major headaches for homeowners, especially those who have to go through the process of making an insurance claim. With that being said, here are my six tips for “weathering the storm” that inevitably comes with unanticipated damage to your home.
Check your policy now
Every insurance policy is unique and it’s really important to review your coverage annually to make sure you’re up to date with the inclusions and exclusions. Most homeowner's policies cover damage due to wind but other storm-related issues such as flooding are usually not part of the deal. The State of Connecticut Insurance Department has a basic homeowner’s storm damage FAQ on their website, but because all policies and insurers are different, it’s worth talking to your agent.
Be very careful
Damage can’t always be seen, so it’s important to exercise extreme caution. Inspect the powerlines around your home as well as the trees. Even if nothing is down now, a broken limb could fall later, so it’s better to be diligent. Also, be sure to watch for leaks in the days and weeks after bad weather. High winds often rip off shingles, leaving roofs exposed to rain and snow.
Make use of your camera
The most common types of storm-related damage are to roofs, windows, siding, and windows. As you inspect your home, take photos or everything and don’t move anything unless it's necessary. Video is also a great way to document any potential damage. The more evidence that you have, the better off you’ll be when you go to make an insurance claim.
Call your insurance company
Once you’ve assessed any potential damage, you can get in touch with your insurance provider. Do this as soon as possible and be ready with all the documentation that you’ve collected. Your insurer will be able to assess the damage to your home and help you understand what's covered by your policy. They’ll also connect you to a claims agent if required.
After you’ve reported any damage, it’s time to clean up. Leaving exposed areas uncovered and not fixing leaks will create much bigger problems, so be sure to clear and patch any problem spots. Do not ever try to touch downed power lines or electrical equipment - report those to your electricity provider or even your town’s fire department.
Hire a good, local contractor
Believe it or not, there are some hacks out there who chase storm damage, taking advantage of homeowners who need a fast fix. Don’t fall for these traps - look for someone local and reputable who has a good track record and is fully licensed and insured. The Better Business Bureau is a great place to get started.
Bob O’Donnell is the owner of O’Donnell Bros. Inc., a Bristol-based home improvement company established in 1975. Email your questions to email@example.com with the subject line “Ask the Pro.” All questions may be considered for publication. To contact Bob for your remodeling needs, call O’Donnell Bros. Inc. at (860) 589-5155 or visit http://www.odonnellbros.com. Advice is for guidance only.