Your automobile and house are at risk from severe weather. Whether you and your family weathered the storm at home or you had to flee and are now coming back to evaluate the damage, here are some suggestions to help keep you and your loved ones safe.
KEEP INFORMED:
The storm may still be there in your area even if the weather has improved. Make sure it’s safe to walk outside by using a weather app on your phone, keeping an eye on social media, watching the local news, or tuning in to a weather radio.
AVOID HAZARDS:
If your home is surrounded by flooded regions, switch off your power at the main fuse box or circuit breaker (if you can do so without becoming wet); if not, contact your electric provider. Avoid touching electrical devices, such as TVs and appliances. Await the inspection of your home by an electrician.
Avoid falling power lines and keep an eye out for any potentially low-hanging overhead wires. Candles should be replaced with flashlights if the power is down. If candles are your only option, make sure they are not placed near anything that can catch fire. Always have a fire extinguisher on hand and never leave lighted candles unattended.
Drive or walk away from flooding. Standing water can be contaminated with sewage and deadly chemicals, hide wildlife and dangerous debris, and be electrically charged by downed or underground power lines. A road that has been washed out can be hidden by water running across it. A foot of swiftly flowing water can cause an automobile to become unsteady, and just six inches of moving water can sweep you off your feet.
Turn off the main gas valve, open all windows, leave the house immediately, and call the gas company, police, or fire department if you smell natural gas or believe there may be a problem. Carbon monoxide is produced by appliances like generators, gas grills, and camp stoves, which are not suitable for use inside of a house, garage, or basement. Use them outdoors, at least 20 feet from any entrance, window, or vent.
CHECK YOUR HOME FOR ANY DAMAGE:
Once damage is noted, promptly get in touch with your insurance provider to start the claims procedure. Take pictures and videos for your personal files and claim. Take the appropriate action to stop additional harm, such as covering broken windows with plastic or hiring a professional to cover the roof with tarps to avoid rain from coming in.
If you’re cleaning up debris, put on safety gear and wear masks or face coverings. It is preferable to leave thorough mold removal to the experts. These kind of jobs are not appropriate for children to perform.
AVOID UNLICENSED CONTRACTORS:
Following a powerful storm is a good time for unscrupulous contractors and con artists to prey on the vulnerable. Verify a repairman’s legitimacy and caliber of work before hiring them by checking their profile on the Better Business Bureau website and contacting referrals. Using a contractor that your insurance provider recommends is your best option.
IN THE EVENT OF ADVANCED DAMAGE:
Locate a secure location for your family to remain while repairs are being completed if your home is completely destroyed or rendered unusable. As long as the damage is a part of a covered claim, the loss-of-use coverage in a normal homeowners insurance policy usually assists with lodging expenses. Verify the monetary value and time limits of this coverage by consulting your policy or by contacting your insurance agent.