Preparing for a natural disaster in advance can significantly reduce the amount of damage that is done to a home. Disaster preparation also ensures that families are kept safe when severe weather occurs. Since severe weather can strike at any time, it is important for families to discuss disaster preparedness before an emergency happens.
Preparing For Tornado Season
Some areas of the United States are susceptible to tornadoes, but any city across the country has the potential to experience a damaging tornado. Hail storms that occur during a tornado have the potential in inflict property damage. Everyone should be sure to include tornado preparation tips and tools in a family disaster preparedness kit.
Make sure that your family is able to access information about tornadoes at all times. If the power goes out or the cable is knocked out, you may not be able to access weather information in the way that you usually do. Keep an emergency radio on hand just in case.
Establish a meeting spot in case of a tornado. All family members should report to the lowest level of the home for the most protection. While a basement is ideal, any interior room of the first floor of a home is acceptable when there is no basement. Experts advise that people seek shelter inside a bathtub, under a large piece of furniture or underneath the stairs in their home.
Put together an emergency kit that includes a minimum of three days of clean water and food for every family member. This kit can be helpful in any natural disaster.
It seems that each hurricane season brings more damaging storms. If you are unable to evacuate your home before a hurricane hits, understanding how to stay as safe as possible inside your home during a disaster is a must.
Plywood helps protect windows when a hurricane hits. Not only will nailing plywood over your windows protect your home, but your family will also be protected from glass and other debris if they remain in the home during a hurricane.
Reduce the amount of potential debris by cleaning up your yard as soon as the hurricane is in the forecast. Trees should also be trimmed to keep branches from becoming debris.
Maintain a supply of safe water before and after the hurricane. Wait until local authorities verify the safety of tap water before using it. It could take several days or even weeks for water to be safe for drinking.
Insurance Company Denial Tactics
Most people assume that they will be able to recover any losses by filing an insurance claim, but insurance companies often use underhanded tactics to avoid compensating their clients.
Insurance companies will find a way to stall the payment of a claim in order to try to get a person to accept a low compensation amount. People who are desperate for any compensation because they need to pay for repairs or other expenses are more willing to accept anything that an insurance company offers.
Insurance providers often request to record a statement about the claim. It is best to decline this request. Insurers use the information that is recorded to evaluate the claim and find a loophole to get out of paying.
Losses may be calculated based on the decreased value of anything present in the home at the time of the disaster. Many homeowners find it impossible to replace their belongings with these low settlements.
Unscrupulous insurance companies make it essential to hire a property damage lawyer following a natural disaster. Rain, wind and hail damage could leave you with significant financial losses when property damage is severe. Contact a hailstorms attorney immediately following a natural disaster to avoid the hassle of dealing directly with the insurance company.