Times like these break my heart. I couldn’t imagine getting my home destroyed or worse due to a natural disaster, so if you were harmed or if you know someone that was harmed, please feel this virtual hug that I’m sending your way right now.
Now that Sandy has left her trail of destruction along the east coast and more, many families are left trying to pick up the pieces of their lives and left wondering what to do next.
Here are some tidbits of advice for you to help get things squared away.
Be Very, VERY Careful
In the event that your home was severely damaged by the hurricane, you need to be very careful when walking through your home. From structural damage to dangling power cords, you could be entering a world of danger by opening the door to your home. If your home is no longer livable, you can apply for assistance or search for information about housing rental resources directly through FEMA’s website.
Take Pictures of Your Home
According to FEMA, taking some quick photos of your home to document the damage is one of the first things you should do when you get into your house. Take photos of the building and its contents for insurance purposes. By doing this, you can show your agent specifically the damage done to your home if they aren’t able to assess it in person, because eventually, you will need to…
Talk with Your Insurance Agent
It seems like a no brainer, right? When a natural disaster comes by, give your insurance agent a call to learn about your options. Your insurance agent will be able to walk through your unique insurance policy page by page. It’s not the most riveting material to read, so having your insurance agent there to help you digest all of the details is the best thing you can do.
Know Your Deductible
Some insurance policies have them, some don’t, but you should see if you have a deductible available to you for damages incurred by your home. Depending on where your home is located, your insurance policy may have a hurricane deductible worked into it already, so you may be entitled to more than you think. For instance, some policies have percentage deductibles of, say, 5%, versus a dollar amount deductible of something like $1,000. That 5% deductible on a $300,000 home is $15,000.
Check Out Some Resources
USA Today put together a list of hurricane resources for you to peruse now that the hurricane has settled with some great tips for making sure you and your family have the best plan in place for the future. FEMA’s hurricane page is also chock full of great information for you, so take a gander and see what tips you can implement for your family.
Do you have any advice for those affected by Hurricane Sandy? Feel free to leave a message in the comment section!