After a Storm hits in West Babylon

11/7/2023 (Permalink)

Water Came Through Foundation

When returning to your home after you experience damage from a storm, take some time to document all inventory in the home and valuing all damages and costs to repair or replace your property. If your home or business is insured for flood damage, there are differences in how a flood works versus a home insurance claims that get adjusted and settled.  Wind damage will be covered under your homeowner's policy. Flood damage caused by storm surges should be covered under your flood policy.

Check your home owners and wind policies for special deductibles or coverages related to hurricanes, wind, hail, and other damage.  We're rooting for your recovery and SERVPRO of Babylon/Deer Park is here to help!

Here are a few Tips:
Take photos of the damage before any clean-up or repairs are done.

• Keep notes of any of conversations with insurance, repair, government, and other professionals. To prevent any confusion.
• Focus on drying/cleaning out, avoiding further damage, while getting all damage inspected, measured, and estimated by qualified, reputable, and independent experts such as SERVPRO of Babylon/Deer Park.  
  Flood insurance policies have different rules than home insurance policies.
• Start working on a detailed and itemized "proof of loss" form but don't rush and leave things out.