What's Happening?
Consumer Reports emphasizes the importance of documenting storm damage before initiating repairs to ensure full insurance coverage. Lisa Gill from Consumer Reports advises homeowners to take pictures and
inventory all damaged items before contacting their insurance company. It is crucial to wait for an adjuster to assess the damage before starting any repairs. In cases where adjusters are delayed, a video tour with the adjuster is recommended. Additionally, Consumer Reports suggests taking a video inventory of possessions before any disaster strikes to facilitate future claims.
Why It's Important?
Proper documentation of storm damage is critical for homeowners to receive adequate insurance compensation. Failing to document damage or starting repairs prematurely can result in insufficient funds to cover necessary repairs. This guidance is particularly relevant as severe weather events become more frequent, increasing the likelihood of property damage. By following these steps, homeowners can protect their financial interests and ensure a smoother claims process. The advice also highlights the importance of preparedness, encouraging homeowners to take proactive measures such as video inventories and installing backup systems for future protection.
