What To Do If You Have Storm DamageMay 28, 2019
Severe weather pushed across Missouri and other states last week, causing damage and bringing additional rain that we just didn’t need. Our prayer is that we will be able to quickly and efficiently serve those who need us and that God will comfort those who have lost material items, and more importantly, loved ones.
Our policyholders can report a claim to our office or to their agent. Please be specific about the extent of the damage so we can arrange our adjusters’ schedules to more efficiently work the claims. The brief checklist below should also help you as you endure the process of getting your life back together.
- Take photos of the damage if possible. That will help our adjuster in seeing how the damage looked immediately after the event and allow you to make temporary repairs if necessary.
- Temporary repairs should be made to prevent further damage. For example, windows may need to be boarded up or a roof tarped. Save your receipts!
- List the items that were damaged. Do your best to record the approximate date purchased, purchase price, and current replacement cost.
Once our adjuster has inspected the property, you should hire a reputable contractor to perform the repairs. Make sure to obtain an estimate before authorizing work. If the estimate is higher than your adjuster’s appraisal, you should obtain a second estimate and contact the insurance company before proceeding with repairs. Contact the insurance company right away if additional damage is found and don’t begin permanent repairs on the additional damage until it has been inspected.
We are here for our policyholders as they rebuild from any loss. If you ever have questions during a claim, our office staff, our adjuster or your agent are all available to answer them for you.
This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.