Published by 21st Insurance Agency on April 21st, 2020
When a big storm hits, you hunker down inside, relying on your home to protect you and your family. Once that storm passes, though, it’s time to repay the favor — identifying damage and protecting your home from further issues.
The National Storm Damage Center has a number of resources and tips for homeowners. Here are four major things the agency – and we here at 21st Insurance Agency – recommends you check after a storm:
1. Your roof: If you see holes, split seams or missing shingles on your roof or if you notice leaking inside or out, it’s a good idea to contact your insurance company.
2. Your exterior: Siding, brick and stucco are all vulnerable to storm damage. You’ll want to look for cracking, chipping or dings and dents in siding, and for holes in stucco. Look closely and at different times of the day. Some homeowners don’t notice damage until it’s too late to file a claim, and different lighting can reveal damage you didn’t see before.
3. Driveways and walkways: Cracking and splitting can create safety hazards, as well as reduce the lifespan of the concrete.
4. Trees: According to the National Storm Damage Center, fallen trees and limbs cause more than $1 billion in damage annually. Check roofs, vehicles, fences and machinery for fallen limbs that may have caused damage or could pose a risk. Clean up what you safely can and rely on a reputable tree removal service to handle the rest. Depending on the circumstances, your homeowners insurance policy may help with tree removal and damage repair costs – if you experience a covered loss, that is.
A few more helpful tips:
Keep trees well maintained and trimmed. Also notify neighbors if you see any overhanging branches on any of theirs.
Know your insurance. Take a look at your policy so you know what’s covered, what your limits and deductibles are, etc. This will prevent any surprises during the claims process.
Take pictures. Photographs can help you show the cause and extent of any storm damage that occurs.
Of course, if you’ve suffered through a major storm, don’t hesitate to call us at 21st Insurance Agency.
Content provided by Safeco
Insurance offered by 21st Mortgage Corporation dba 21st Insurance Agency where applicable. Principal place of business: 620 Market Street Knoxville, TN 37902. The materials herein are for informational purposes only and do not create a contract. Subject to provisions, exclusions, conditions and limitations of the applicable insurance policy. Policy language prevails over any information herein that conflicts with it. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. Discounts and actual savings may vary by state. CA license number 0D51778. All license numbers can be found on our website at www.21stinsuranceagency.com. NPN 5317371. 4/8/2020.