Recovering from a severe storm can be a long process. It may take days, weeks and even months to return to a place of normalcy. While you can’t control the weather, having a storm recovery checklist in place can minimize your losses and help you recover quickly. Be sure you don’t miss crucial storm recovery steps.
Step 1: Contact your Agent
Check with your agent to get your claim started. When it matters most, your agent is there to help you through the process so you can get back on your feet. Download the Farm Bureau Financial Services app so that your agent contact information is at your fingertips.
Step 2: Take Pictures
Document the damage with photos or video, and make a detailed list of damaged or missing items. If you have recently done a home inventory, be sure to compare losses and damages with your inventory. These thorough records will assist when processing the claim.
Step 3: Keep Detailed Notes
Keep the details straight by taking notes and tracking your expenses.
- List the names and numbers of people you speak with, like your agent, adjuster and contractor
- Track expenses including lodging and repairs
- Jot down questions you want to ask
Step 4: Grab your Tool Belt
If your home is uninhabitable, make temporary repairs to protect your property from further damage and keep your family safe. Be sure to document “before” and “after” photos and save the receipts from your repairs.
- Secure broken windows
- Remove broken tree limbs
- Cover holes and leaks
- Avoid downed power lines
- Leave the big repairs to the professionals
Step 5: Work with your Claims Representative
Your claims representative is a resource during the claims and repair process. Don’t hesitate to ask questions. Together, you’ll determine:
- Amount of damage
- What needs to be repaired or replaced
- The cost to make needed repairs
Step 6: Check out your contractor
When it comes to selecting a contractor, keep these tips in mind:
- Check their track record through your local Better Business Bureau, Home Builder's Association or adjuster
- Ask for references
- Document conversations and refer to your signed contract often
If you have storm damage, the first steps you take in the aftermath could have a big effect on how your claim is handled. Your local Farm Bureau agent can help guide you through the claims process and will work with a claims representative to get you back on your feet.