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Summer is here – time for cookouts, swimming in the pool and vacations! June 1st is the official start of Hurricane Season and forecasters say to prepare for a more active than usual storm season this year due to warmer temperatures of oceanic waters. Before you are hit by a storm, be proactive. Review your Homeowner’s Insurance policy to make sure you are aware of what is covered, and document the condition of your home and personal property with photos and video.
Many homeowners fail to inspect their home after a storm, especially if there is no reason to suspect a problem, however that can be a costly mistake and a huge headache. To prevent more dangerous problems such as structural damage, mold and leaks, it is imperative to inspect all elements of the exterior of your home, starting with the roof. If you have a pair of binoculars they can be helpful. Here is a checklist of what to look for on the outside:
Roof
- Loose or missing shingles or metal flashing
- Dented, torn or gouged shingles
- Holes from debris
- Tree limbs or other large debris on roof
Exterior Walls
- Dents or holes in siding
- Missing siding, soffit, fascia or gutters
- Cracks or splits
Windows and Doors
- Shattered or broken window panes
- Fogging between panes
- Damage to trim or frame
Damage can range from annoying to downright dangerous. If you find any damage, there are certain steps you need to take to secure your safety and make sure your home is restored to its prior condition. If the damage is severe, or there are dangerous conditions such as downed power lines or issues with a gas line or tree on a house, you will need to vacate the property immediately. If there are trees down, call a tree company quickly to get on their list because you won’t be the only one!
- Document the damage by taking pictures and video of both interior and exterior damage.
- Call in a contractor to inspect and tarp the damage ASAP to prevent further water intrusion.
- Hire a local, reputable contractor, not a storm chaser/door knocker who may not be properly licensed or insured for your area.
- Call your homeowner’s insurance agent to file a claim for the damage. Your contractor may meet the adjuster at your home to assess the damage.
- Receive an estimate from the contractor for restoring your property.
- Communicate with your insurance agent regarding the scope of work for the repairs and what they are going to compensate you for. Most times homeowners have a deductible to meet.
- Coordinate with your contractor to have your property restored. It is the homeowner’s right to choose the contractor who works on their home and is working in the best interest of them, not necessarily the insurance company.
If you ever have the need for storm damage restoration, give Fichtner Home Exteriors a call. We have experts on staff to help with the initial securing of your home, the estimating, and working with your insurance company to restore your home!
410-519-1900 1872 Betson Ave., Odenton, MD 21113 fichtnerexteriors.com
