Storm Damage: Preparation, Protection, and Claims

Storm Damage: Preparation, Protection, and Claims

Spring has sprung, bringing with it the potential for incredible storms and unfortunate storm damage. In Southwest Missouri, the weather can be volatile, and being prepared is crucial. Here’s what you need to know:

High Winds

Hail

Flash Flooding

Tornadoes

Watch vs. Warning: Know the Difference

• Tornado Watch: Conditions are favorable for a tornado to occur. Stay alert and prepared.
• Tornado Warning: A tornado has been sighted or indicated by weather radar. Take shelter immediately.

Signs of an Impending Tornado

After the Storm

Once the storm has passed:

• Follow local authority instructions and stay sheltered until the all-clear is given.
• Check in with friends and family to confirm their safety.
• Stay updated with news or a weather radio for current information.

Filing an Insurance Claim after Storm Damage

In the unfortunate event that your property is damaged by a storm, it’s important to know how to file an insurance claim effectively.

Steps for Filing a Claim:

1. Document the Damage:

   • Take clear photographs and videos of all damage to your property, both exterior and interior.
   • Make a detailed list of damaged items and include any relevant receipts or proof of purchase.

2. Contact Your Insurance Provider:

   • Notify your insurance company as soon as possible. Provide them with the documentation and details of the damage.
   • Ask about the specific information they need and any forms that you need to fill out.

3. Temporary Repairs:

   • Make necessary temporary repairs to prevent further damage (e.g., covering broken windows or holes in the roof).
   • Keep receipts of any materials or services used for these temporary repairs.

4. Work with the Adjuster:

   • An insurance adjuster will be assigned to assess the damage and estimate the cost of repairs.
   • Be present during their visit to guide them through the property and provide any additional information they may need.

5. Review the Claim:

   • Once the adjuster’s report is complete, review the claim assessment from your insurer.
   • Understand what is covered and the amount they will pay out for each part of the damage.

6. Complete Full Repairs:

   • Once you receive the claim settlement, proceed with hiring contractors and making the necessary repairs.
   • Ensure that all repairs are documented and receipts are saved for the insurer.

Insurance Preparation

If you live in a storm-damage-prone area:

Review your home and auto insurance policies to know what is covered.

Ensure your coverage amounts are accurate by reviewing them annually with your agent.

For more information on insurance policies that can protect your home and vehicle during a storm, call our office at 417-882-1800 or stop by to speak with one of our agents.

Final Thoughts

Taking these steps can make the threat of incoming weather a little less stressful for you and your loved ones. Always take both tornado watches and warnings seriously, as a watch can quickly turn into a warning. Never underestimate the power of a storm and always be prepared!

Stay safe and prepared this spring.