We often see stories about natural disasters on the news or read tales in magazines about families that have lost everything as a result of fires or floods. In truth, most of us probably assume that we will never be in this situation. The trouble is that life has a habit of throwing out curveballs, and you never know what is around the corner. It’s always beneficial to have plans in place, just in case. Here are some steps to take if disaster strikes and your home is damaged.
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Call in expert help
Fires, storms, earthquakes and water damage disasters can have a devastating impact on communities and destroy homes. If your property has suffered damage as a result of a natural phenomenon or a burst pipe or sewage disasters, avoid the temptation of trying to rectify the situation and carry out repairs yourself. It’s best to look for experts in your local area and let them handle the recovery effort. If you try and tackle issues yourself, you may be at risk of accidents and injuries, and you could end up doing more harm than good.
Read the details of your insurance policy and contact your provider
If your home has been battered by a hurricane, or there are signs of severe water or fire damage, it’s wise to check the details of your insurance policy and contact your provider. Your insurance company will be able to give you an idea of what is covered and provide details of how to make a claim. Your provider will usually send somebody out to have a look at the property and ascertain what happens next. The level of cover varies according to which plan you choose. Typically, the more you pay, the more comprehensive the policy. If you live in a region that is susceptible to extreme weather, or your home is near a flood plain, for example, it’s worth investing in the most robust cover.
Find a safe place to stay
If your home is uninhabitable, find a safe place to stay as soon as possible. Call friends and family members and ask if you stay for a few nights, or look into options like getting a room in a hotel or renting an apartment if the damage is extensive and repairs will take a long time. In some cases, insurance policies cover the cost of temporary relocation and lodgings.
Seek advice
Dealing with a disaster can be very disruptive and distressing. It’s perfectly natural to have questions about what happens next and to be anxious and worried about what the coming weeks and months hold. If you are worried, or you have concerns or queries, don’t hesitate to reach out and seek advice. Your insurance provider should be able to provide practical guidance, but you can also contact charities and organizations that specialize in community disaster relief. It’s also helpful to lean on friends and relatives during tough times.
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For many of us, there is nothing worse than the thought of our homes being damaged. If disaster does strike, try not to panic and take these tips on board.
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