Do you know when to file an insurance claim following a bad wind or hailstorm? The summer storm season is about to kick into full gear for residents along Lake Michigan, meaning that it’s time to prepare for the worst that nature can throw at you. The best defense against high winds and turbulent rains is a comprehensive home insurance policy. In addition to investing in total insurance protection with Gutman Insurance, homeowners should also be prepared to spring into action following a particularly violent summer storm. Keep reading to learn more about storm repair and what you can do to avoid working with bad contractors.
Preparing Your Home for Summer Storm Season
The month of June is significant in the US for several reasons. June ushers in warmer weather across the country and marks the beginning of summer. The beginning of summer also brings tornados and thunderstorms to the Midwest, hurricanes along the Gulf Coast, and finally monsoons and mudslides to the Southwestern states. To prepare for high winds and dangerous hailstorms, it’s a good idea to start with a great home insurance policy. Comprehensive home insurance coverage can help to cover costly repairs and prevent future damage to your property. Other essential summer storm preparation steps include:
- Understanding the Difference Between a Storm Watch and Storm Warning
- Mapping and Practicing a Family Tornado Drill
- Packing a Car Safety Kit
- Creating an Emergency Kit in Home
- Knowing Your Evacuation Zones
What Should I Do After a Storm?
Following a summer storm, homeowners should work to asses the damage to their property and if possible, secure the area to prevent injury or further damage. Next, you should document the damage with pictures or video, as this may be helpful throughout the claims process. Once the area is safe and secure, you’ll need to contact your insurance agent to file a claim.
Choosing a Contractor
From there, you should begin the process of selecting a contractor to complete the repairs. However, you should beware of “storm chasers” or contractors that follow the path of storms and often take advantage of homeowners who are in a tough situation. It’s always important to do plenty of research before working with a contractor, even if they come recommended from friends and family. Storm chasers may visit neighborhoods going door-to-door, offering free inspections and great prices for speedy work. But if something sounds too good to be true — it’s best to trust your gut instincts.
Always Do Your Research and Protect Your Payments
To make sure you’re working with a reputable contractor to complete repairs on your home, always check for references and ask to see proof of insurance. Additionally, you can lookup contracting companies with the Better Business Bureau. When it comes to payment, you should never hand over your insurance check directly to your contractor. Instead, request an invoice from your contractor and pay them using a credit card whenever possible. Credit card purchases typically come with additional fraud protection over other common forms of payment. Still unsure whether a contractor’s services are worth the cost? Don’t hesitate to reach out for help from one of our experienced local insurance agents!
Contact Gutman Insurance Today
Interested in learning more about the benefits of investing in total insurance protection? Whether you need to review your current home insurance policy, or you have a few questions regarding a recent insurance claim — we’re always here to answer your questions. Call (920) 682-7979 or contact our friendly agents online for more information. And be sure to request a free quote online today!