3 Precautions You Need to Take Before a Storm Hits Your Property

Take pictures of the property before the storm – make sure you highlight the condition of the roof, grounds, etc

It's very important to have a record of the condition of the property before the storm hits to compare it to the condition after the storm hits.

Take pictures of the roof, the windows, the grounds, the overall condition of the property.

Find invoices for replacements/repairs 

It's also important to have your repair records in good order. This will ensure its easy to show the insurance company the condition of the property prior to the storm.

Have a process for what to do when a storm hits

You don’t want to be scrambling to know what to do in the immediate aftermath of a storm. You want to be prepared in advance so you can provide information to the insurance company.

But What About After the Storm?

Document everything

Depending on the terms of your policy, you may be entitled to reimbursement for all costs and expenses. This may include employee hours spent on clean up and repairs. The only way to get the insurance company to pay for these reimbursements is to document them.

Take lots of pictures and video

Again, the more documentation of the damages that you have, the likelier you will be able to recover from the insurance company.

Get independent estimates

There’s a likelihood that the insurance company’s adjuster will underestimate the number of repairs you need to make. Having an independent estimate of your own will help highlight the insurance company’s failures.

Monitor for interior leaks/damages

Often when an insurance company comes to look at the storm damage, its adjuster will only look at exterior damage. This is a very big mistake. By keeping a good record of any interior damage, you can help put the adjuster on notice that he or she needs to look for that interior damage.

We ensure property owners are treated fairly by their insurance company after the property is damaged by storm or fire.

For help on these issues, contact Bukowski Law Firm at

512-614-0335 or sbukowski@bukowskilawfirm.com.