Property Damaged After Tornado Strikes: What to Do Next
A tornado is a terrifying and destructive force of nature. If your property has been damaged after a tornado strike, you're likely facing a daunting and overwhelming situation. The first priority is safety – ensuring you and your family are safe and sound. However, once the initial shock subsides, it's important to take immediate action to protect yourself and your property.
1. Prioritize Safety and Security
- Check for Injuries: The first step is to assess any injuries and seek medical attention if necessary.
- Secure the Property: If possible, board up broken windows and doors to prevent further damage and theft.
- Document Everything: Take photos and videos of the damage from multiple angles, including close-ups of specific areas. This documentation will be crucial for insurance claims.
2. Contact Your Insurance Company
- Notify Your Insurer: Immediately contact your insurance company and report the damage. They will guide you through the claims process.
- Review Your Policy: Familiarize yourself with your insurance policy, especially the coverage for windstorm and tornado damage.
- Keep Records: Keep detailed records of all communication with your insurance company, including dates, times, and notes of conversations.
3. Assess the Damage and Start Repairs
- Hire a Professional: If necessary, contact a qualified contractor or inspector to assess the structural integrity of your property.
- Prioritize Repairs: Focus on essential repairs like roof damage, broken windows, and structural concerns to prevent further damage and ensure safety.
- Contact Local Authorities: If necessary, contact your local building department or city officials to report the damage and seek guidance on repair permits.
4. Seek Financial Assistance
- Explore Insurance Coverage: Your insurance policy may cover the cost of repairs, temporary housing, and other expenses related to the tornado damage.
- Consider Grants and Loans: Government agencies and non-profit organizations often offer grants and low-interest loans for disaster relief.
- Find Support Networks: Contact local disaster relief organizations or community groups for financial and emotional support.
5. Protect Yourself From Scams
- Beware of Contractors: Be cautious of unsolicited contractors who approach you, particularly those who demand upfront payments or offer unrealistic prices.
- Verify Credentials: Research any contractor's license, insurance, and reputation before hiring them.
- Get Everything in Writing: Obtain a written contract that details the scope of work, payment terms, and any guarantees.
6. Stay Informed and Connect with Resources
- Follow Local News: Stay informed about the latest developments and official announcements from local authorities.
- Connect with Community Organizations: Reach out to your local community center, religious organizations, or volunteer groups for help and support.
- Utilize Online Resources: Many websites provide valuable information on disaster recovery, insurance claims, and financial assistance options.
Recovering from a tornado strike is a long process. By taking proactive steps to address your safety, property, and financial situation, you can navigate this challenging experience and begin the journey towards rebuilding your life.
