What Homeowners Should Do Before and After a Disaster

There have been plenty of horror stories about natural disasters in the news. If your home is in a danger zone, you know what can happen to it, just by watching the results from a natural disaster on the television. The best time to make sure you have adequate home insurance coverage for a natural disaster is before one happens. After a home is destroyed, it is too late to adjust the insurance coverage.

Climate Change Increases Risks

Many of the news stories about natural disasters are describing them as the “worst ever.” The aftermath of a natural disaster can be more dangerous than what happens during the event, especially in regards to flooding.

Now is a good time to discuss home insurance coverage with your agent at Eichelmann Insurance Agency, serving Richardson, TX and the nearby areas. Make sure your insurance coverage is adequate and covers the full replacement cost to rebuild a home after being destroyed by a disaster. Also, ask about flood insurance since home insurance usually does not include this protection.

Helpful Tips about What To Do after a Disaster

After everyone is in a safe place and the emergency has passed, contact your insurance agent. Ask them for help in documenting the destruction. Take photos of everything possible if doing so does not put you at risk. Be aware that walking through standing water without wearing protective gear is very dangerous due to the risk of contracting a water-borne illness.

Do not enter any premise that is partially damaged because the structural integrity may not be sufficient to keep it from falling down. If it is safe to do so, recover any information about the home that was saved before the disaster. Keep the originals and make copies of any available documentation that you have. Give the copies of the documents to help your agent with the insurance claim.

Summary

Disaster preparedness includes having adequate home insurance. Contact your agent at Eichelmann Insurance Agency in Richardson, TX for an insurance review before disaster strikes.