Storm Damage at the Shore - What Do You Do?

Claims are being processed as quickly as possible but due to the number and the devastation, adjuster availability is scarce. At the shore, the situation is worse.  We have spoken to many of you already regarding storm damage at the shore and the claims process. By now you should have heard from your insurance carrier and an adjuster to confirm that your loss is being worked on.  At the shore, adjusters have limited access and it could take several weeks before an adjuster can view your property. In the meantime, you need to take whatever action you can to reduce the potential of additional losses.  You need to try to protect your property, if possible. Here are some things to do: 
  • Try to turn off the water
  • Secure the house
  • Remove all moldy items
  • Take lots of pictures
  • Keep your receipts for all emergency repairs, supplies, etc.
  • Do not pay cash for any work - use checks and credit cards
  • Try to keep sample of items thrown out (12" x 12" piece of carpet or fabric)
  • Get estimates for the adjusters
 Before doing any, make sure you have these items before entering your home: 
  • Rubber gloves
  • Dust masks
  • Duct Tape
  • Hammer
  • Screw driver
  • Pry Bar
  • RV Anti-freeze (for toilets)
  • Drinking Water
  • Camera
  • Flashlight
  • Wear boots and old clothes
  • Bring a change of clothes
  • Paper/Pens to start an inventory list
  • Trash Bags
  • Food
 Even though you may have access to your house, the adjusters may not have access or the time to see your home for as much as a month. There are still many people that lost their primary home and are living in their cards or in their homes with no water, no heat, no electricity.  They are the top priorities. The rebuilding process is not going to start for months. With the limited time and access you have, please try to get rid of any moldy furniture, cloths, rugs, etc.  Take lots of pictures.  It would be smart, if you could cut and remove wet dry wall, remove insulation, etc.  Remember to take pictures before removing. If we can be of help, please contact us at the agency. Remember to be safe and careful with any demolition you are encountering.