How to Check Your Property for Damage After a Storm
You hunker down inside, relying on your home to protect you and your family. Once the storm passes, though, it’s time to repay the favor by identifying storm damage and protecting your home from further issues.
The National Storm Damage Center has a number of resources and tips for homeowners. Here are four major things the agency – and we here at Smith Family Insurance Center – recommends you check after a storm:
- Your roof: If you see holes, split seams, lifting shingles, or missing shingles on your roof, or if you notice leaking inside or out, it’s a good idea to contact a roofing company or have a qualified inspector assess the situation. Regular roof inspections can prevent costly repairs.
- Your exterior: Siding, brick, and stucco are all vulnerable to storm damage. Look for cracking, chipping, or dings and dents in siding, and for holes in stucco. Inspect closely and at different times of the day. Some homeowners don’t notice damage until it’s too late to file a claim, and different lighting can reveal damage you didn’t see before.
- Driveways and walkways: Cracking and splitting can create safety hazards and reduce the lifespan of the concrete. Regular maintenance of driveways and walkways can enhance your home’s curb appeal and safety.
- Trees: According to the National Storm Damage Center, fallen trees and limbs cause more than $1 billion in damage annually. Check roofs, vehicles, fences, and machinery for fallen limbs that may have caused damage or could pose a risk. Clean up what you safely can and rely on a reputable tree removal service to handle the rest. Depending on the circumstances, your homeowners insurance policy may help with tree removal and damage repair costs if you experience a covered loss.
A few more helpful tips:
- Keep trees well-maintained and trimmed. Also, notify neighbors if you see any overhanging branches on their property.
- Know your insurance. Review your policy so you know what’s covered, what your limits and deductibles are, etc. This will prevent any surprises during the claims process. If you aren’t sure, call us at 419-205-9046. We are always happy to review your coverages.
- Take pictures. Photographs can help you show the cause and extent of any storm damage that occurs.
Of course, if you’ve suffered through a major storm, don’t hesitate to call us at Smith Family Insurance Center for questions regarding damage, help with an insurance claim, or finding a professional property inspector.
Would you like to schedule an appoint now? Feel free to check our calendar here for available openings.