ClickCease

What To Do After A Storm

Damage following a storm is pretty typical of Maryland weather, especially when you live in towns close to the water, like Annapolis or Ocean City. Storms are out of our control, but what is in our control is what we do in the aftermath. Here are a few steps you’ll want to take following storm damage to your home.

Be Mindful Of Insurance Claims

Following a storm, if there is any damage to your home, it must be documented before you fix or move anything. Photograph all the damage and take as many pictures as possible from all angles. This ensures you have a record for the insurance company so you can be fully compensated for damages.

Once you’ve taken the photographs, you want to contact your insurance company to get a claim started right away. In storm damage, time is of the essence. You’ll need to work quickly to get the damage fixed, especially if there is flooding, to avoid further damage taking place.

Take Proper Safety Precautions After Storm Damage

Heavy rainfall and winds can result in many physical hazards such as a collapsed roof or water damage and flooding. Before you get into evaluating your property, you want to be safe about entering your home. Sometimes damage can’t be seen from the outside. Be careful where you step and keep your eyes peeled on your surroundings. You never know when you might run into a large problem like water damage or smaller issues like exposed nails.

Clean Up What You Can

After a storm, you’re likely to experience a great deal of water or flood damage. You’ll want to tend to this damage sooner rather than later. Standing water is a breeding ground for mold, which in itself can be very costly to remedy. Even if the repairs are temporary, it’s much better than waiting around and doing nothing.

Be sure to save all receipts from any repairs you’ve made on your own as well. You’ll likely be able to be reimbursed for these expenses, so keep everything organized for later.

Call A Professional

No matter what damage the storm has caused, you need to get a professional to your home for assessment. A professional will be able to determine any damage caused that might not be seen with the naked eye, like mold.

If your Maryland home has been subjected to storm damage, the team at MD Water Restoration is here to help. Keep our number handy and learn more about our services today, before the next storm, so you can be ready to call us when you’re in need.

Storm Insurance in Baltimore

Mother Nature is unpredictable and living in Baltimore means you never really get a break from storms. During the spring and summer, you worry about thunderstorms and tornadoes, while during the winter, you worry about snow storms. No matter what type of storm Mother Nature brings, the damage can be devastating. To help reduce the stress of storm damage, you want to make sure you have the right storm insurance. So, what storm insurance in Baltimore do you need? Here is what you need to know about storm damage insurance in Baltimore.

Homeowners’ Insurance

The good news is homeowners’ insurance will cover most of your basic storm damage. However, you will want to double check to make sure these types of storms are covered.

Lightning Strikes and Power Surges

During the spring and summer thunderstorm are common in the Baltimore area. Thunderstorms bring with them high winds, thunder, rain, and lightning. In some cases, lightning will hit your home or a structure on your property. If this happens to you, then your homeowners’ insurance will cover any resulting damage for the lightning strike. Some insurance will cover power surges. Power surges insurance means your insurance will cover any damaged appliances or electronics from a lightning strike. Always check with your insurance agent to know how much damage is covered in your policy.

Water and Ice Damage

Whether it is heavy rain in the spring or ice on your roof in the winter, water can do damage to your home. When it comes to ice and hail damages are covered by your homeowners’ insurance up to the limit stated in your policy, though water damage varies depending on the cause. For example, you may find out that water damage due to a frozen pipe bursting is covered. Reviewing your policy will help you understand what type of water damage is covered.

Wind, Hail, and Damaged Trees

You may find shingles missing after a strong wind storm. Homeowners’ insurance usually covers most wind damage. Your homeowners’ policy should also cover any hail or snow damage that is caused by strong winds. When it comes to tree damage, you must be able to show the tree damage is due to the strong wind. Checking your policy will let you know what type of wind, hail, and tree damage is on your policy.

Type of Storm Damage that Needs To Be On Your Policy

Not all types of storm damage are on your homeowners’ insurance. Living in Baltimore there is one you need to make sure is on your policy: flood insurance. Talk with your agent about what type of flood insurance you need.

Storm Damage Restoration

Knowing what your homeowners’ policy covers will help you after a storm. Another thing that will help is hiring a storm damage restoration company. If you are looking for a great storm damage restoration company that will work with your insurance policy, then contact MD Water Restoration. We make any restoration service easy.

What You Should Know About Storm Damage

storm damage

Photo By:; skeeze | Pixabay

 

 

Everything can change in the blink of an eye when storms roll through. Storms, whether they are hailstorms or thunderstorms, can leave behind massive destruction. Feeling stressed and overwhelmed after a storm is normal. The good news for you is people have been through storm damage before, and there is a light at the end of the tunnel. Learning what to do before, during, and after a storm will help you deal with storm damage.

Make Sure the Area is Safe

If you had to leave your home during the storm, the first thing you want to do is make sure it is safe to reenter. You should never declare your home safe on your own. A professional should come out and look over your home to make sure there are no hazards that could cause harm to you or your family.

Assess the Damage

Once a professional inspector gives you the okay to enter your home, you will want to assess the damage. You should look at the roof, HVAC system, basement, floor, and walls. Some common damage to look for is:

  • Missing shingles
  • Holes in roof, ceiling, walls, or floors
  • Leaks in your roof or ceiling
  • Dents in gutters, vents, or flashing
  • Split seams

If you see any damage to these or other areas be sure to take pictures for insurance purposes.

Make Temporary Repairs

Unless you are a professional, you should never do any storm repairs. You can, however, make temporary repairs. For example, if you have water coming into your home, you can try and find the source and stop it temporarily. You may also have to board up some areas to help prevent subsequent damage. Making small or temporary repairs will help ensure there is no further damage.

Contact Your Insurance Company

Before contacting your insurance company, you will want to make sure you have storm damage insurance. Having storm damage insurance is crucial, even if you do not live in an area where storms often hit. Once you have determined whether you have storm damage insurance or not, you will want to contact your insurance agent. Your insurance agent will help you make a claim. After filing the claim, make sure to stay in contact with your insurance company. You may run into issues with the contractor you hire. Your insurance company should be able to work with you to ensure you aren’t scammed by a disreputable company.

Hire a Storm Restoration Company

After storms hit, there will be different restoration companies knocking on your door. Some of these companies will be reliable, while others may make estimates and promises that they know they cannot keep. When it comes to selecting a storm restoration company, make sure to do your homework. Research reputable companies in your area by looking online or asking friends and family. Once you have decided on a few possibilities, get an estimate from each company and see which ones are covered by your insurance. Be sure that you pick a company that fits your needs and budget.

Contact Us!

MD Restoration has been servicing the Maryland area for years. We know that storm damage is never easy to deal with. We will work with you and keep you in the loop about your storm restoration process. For more information about our storm damage restoration contact us today!

The Truth About Storm Damage Repair

A big storm can be a big deal.  It can be dehumanizing.  It can cause excessive damage to your yard, home, and belongings.  You can never be too careful or overly prepared when it comes to dealing with disaster, and fire is no exception.  Here is some advice you would do well to heed!

Safety First!

Be aware of your surroundings.  Do not wade into high water (you do not know what is in there).

Do not use outlets or fixtures in wet rooms.  Never mess with downed power lines, EVER.  Do not try to move them with a stick, push them with a broom, or grab them with a gloved hand!  Always believe that those power lines are still live.  If a tree or other large debris landed on your house, do not attempt to move it.  Contact your local power company ASAP and tell them the location of any downed lines or large objects on your property.  This is especially important if there are any serious water leaks or dangerous electrical issues.

Be prepared

Document as much damage as possible (CELL PHONES ARE GREAT FOR THIS).  Get all of your important documents together.  You will need receipts and warranties, any policy numbers and your policy if possible.  Contact your insurance agent to get remediation referrals, and begin the claim process ASAP.  Make a list…check it twice.  Write down everything you believe to be effected by the storm, whether lost or damaged.  Mention EVERYTHING, no matter how trivial you consider it.  Today’s water spot could be tomorrows collapsed ceiling.

Stop the destruction

If possible, prevent further damage by locating the source of the water.  Cover any smashed windows and patch any holes in your roof with plastic or tarps.

If you can’t stay, shut it down

If you find that for whatever reason you cannot stay in your home due to damages make sure to call your utility companies and suspend your services.  There is no reason to be charged for something you are not/cannot use.

Find reliable help

Whether you need a smoke/water damage repair company, furniture refinishers, or a reliable contractor, remember, at a time like this you and your family is vulnerable.  Unfortunately, there are those companies that will take advantage of your situation.  Depend on referrals from your agent, as well as trusted friends and family before hiring anyone.  Research each potential contractor by asking the Better Business Bureau and checking with your local and state government to ensure it has all of the correct licenses to do the work necessary.  A Trusted and accredited company to help you at a time like this is one of the most valuable tools you can have in your arsenal to full recovery.  Do not try to be brave and ‘go it alone” there is no embarrassment is seeking out help when it comes to you an important investment like your home.  It is the place you store your precious belongings, and depend on for the safety of your family.  Trust it to a certified company who employs reliable and professional technicians.

[callback]