Storms can cause extensive damage to properties, leaving homeowners and business owners to deal with costly repairs and an overwhelming recovery process. New Mexico experiences frequent severe thunderstorms, particularly from April through September. These storms bring hail and high winds, leading to significant damage to roofs, windows, and vehicles. The state averages around 200 severe weather events annually, with hailstorms being a primary contributor. Knowing what steps to take immediately after storm damage can help you safeguard your property, navigate insurance claims, and prevent further issues. Here’s a comprehensive guide on what to do after storm damage to your property.
1. Ensure Safety First
Your first priority after a storm should always be safety. Before inspecting your property, make sure the storm has passed, and it’s safe to go outside. Watch out for potential hazards such as downed power lines, standing water that might be hiding debris or electrical hazards, and visible structural damage. If you suspect gas leaks, water leaks, or other immediate dangers, evacuate the area and contact emergency services or utility companies right away.
Always have a flashlight ready for areas with limited visibility, but avoid using candles or open flames due to potential gas leaks. When dealing with major structural issues, wait for professional inspectors to assess the safety of the property.
2. Document the Damage Thoroughly
Before making any repairs, document the extent of the storm damage for insurance purposes. Proper documentation is crucial to support your insurance claim and help expedite the process. Use a camera or smartphone to capture detailed images of the damaged areas both inside and outside of your property. Take photos of the roof, windows, siding, water intrusion, and any fallen trees or debris. Additionally, create a written description of the damage, noting any structural issues or leaks.
If you have access to a drone, consider using it to take aerial photographs to capture roof damage or high areas that are difficult to inspect from the ground. Inventory damaged items inside your property, such as furniture, electronics, and personal belongings, along with their condition prior to the storm. If possible, locate receipts or proof of value to help with your insurance claim.
3. Make Temporary Repairs to Prevent Further Damage
While you should avoid major repairs until after an insurance adjuster has inspected your property, it’s important to make temporary fixes to prevent additional damage. For example, you can use tarps, plywood, or plastic sheeting to cover holes in the roof, broken windows, or gaps in the siding to prevent water from entering your home. If there is standing water inside the property, use a sump pump or wet vacuum to remove it as soon as possible to prevent mold growth.
Keep all receipts for materials and services used for these temporary repairs, as your insurance policy may reimburse you for them. Taking photos before and after the temporary repairs is also helpful, as they show the extent of the original damage and the measures taken to prevent further loss.
4. Contact Your Insurance Company
After documenting the damage and making necessary temporary repairs, contact your insurance company promptly to report the storm damage. This step is crucial in initiating the claims process and scheduling an inspection. Before you call, review your insurance policy to understand what types of storm damage are covered. Most standard homeowner’s policies cover wind and hail damage, but flooding or earthquake damage may require additional coverage.
When you speak to your insurance agent, provide them with a detailed account of the damage and the steps you’ve taken to protect your property. File your claim and arrange for an insurance adjuster to inspect the damage. Be present during the inspection to point out all areas of concern and provide supporting documentation. It’s also wise to keep a written log of all communications with your insurance company, including dates, times, and the names of people you speak with. This record can be valuable if disputes arise during the claims process.
5. Hire a Professional for Inspections and Repairs
While you might be tempted to handle repairs yourself, it’s often best to hire professionals to ensure repairs are done safely and correctly. Some types of storm damage, such as roof issues or electrical hazards, require specialized knowledge and equipment. For example, a licensed roofing contractor can conduct a thorough inspection to identify leaks, missing shingles, and structural problems that may not be visible from the ground.
If the storm involved flooding or lightning, it is wise to have an electrician and plumber inspect your property for potential electrical shorts or water damage to pipes. Additionally, professional mold remediation companies can address water intrusion issues and prevent mold growth.
Always verify the credentials and insurance coverage of any contractor or company you hire. Avoid “storm chasers” — contractors who appear after major storms offering quick repairs but may lack proper licensing or expertise.
6. Keep Track of Repair Expenses
Throughout the recovery process, keep detailed records of all expenses related to storm damage repairs. Save receipts for materials, labor costs, contractor fees, and any temporary living expenses if you are unable to stay in your home. Many insurance policies cover certain expenses, so documenting them can help ensure you are properly reimbursed.
When submitting receipts and estimates to your insurance company, organize these documents in a dedicated folder or digital file. This organized approach will streamline the process and provide a clear record of all expenses if questions arise later.
7. Prepare for Future Storms
After recovering from storm damage, take proactive steps to protect your property from future weather events. Consider installing storm-resistant features, such as reinforced roofing, storm shutters, impact-resistant windows, and secured gutters. These improvements can help reduce future storm damage and may even qualify you for discounts on your insurance premiums.
Review your insurance policy to ensure it provides adequate coverage for common types of storm damage in your area. If you live in a region prone to flooding, wildfires, or earthquakes, consider purchasing additional coverage for these specific risks. Additionally, develop an emergency preparedness plan that includes steps for protecting your property, evacuating safely, and contacting your insurance company after a storm.
Protecting Your Property Post-Storm
Storm damage can be stressful, but taking the right steps afterward can make a significant difference in your recovery. By prioritizing safety, documenting the damage, contacting your insurance company promptly, and hiring professionals for inspections and repairs, you can navigate the process more effectively. Planning for the future by reinforcing your property and reviewing your insurance policy can also help minimize damage in the event of another storm.
If you need assistance with filing an insurance claim or dealing with the aftermath of storm damage, VandenBout Law is here to help. Our experienced attorneys can guide you through the claims process and fight for the compensation you deserve. Contact us today for a free consultation!
