One of the most important steps to take after a storm is to assess the damage to your home and property. You should then be able to go ahead and contact your insurance company.
When the damage is extensive and fairly minimal, the first thing you should do is take out your phone and take as many photos from different angles as possible.
The problem in Iona and other parts of Southwest Florida is that when this tornado hit, many residents didn’t have homeowners insurance.
Sheila Willis says she’s grateful that no one was hurt and that the two homes he owns suffered minor damage, considering what the rest of her neighborhood looks like.
“I was lucky. In both properties I own, as well as my brother’s, there is minimal structural damage. I have a replacement window in a residence. I have a roof to fix at this place and clean up,” said Willis.
Plus, Willis has no insurance. So did most of her neighbors.
Since Willis lives in a mobile home, she says it’s almost impossible for anyone to find a company that will make the policy for her. “It’s very expensive, so we tend to skip it,” said Willis.
Many people claiming to be insurance adjusters are going door-to-door, trying to get people in the neighborhood to pay for their services. The owners of Adjustment All Services recommend being skeptical of people you don’t know who claim to be insurance adjusters.
John Fuentes owns All Adjustment Services. “It gives a contractor the right to collect your check. It gives them the right to repair. You basically claim your own insurance,” says Fuentes.
If you have homeowners insurance, try to do all you can to prevent further damage. For example, cover existing holes, picking up as much debris as possible. If you buy any tools to do those repairs, be sure to keep your receipt.
And, check with your insurance adjuster before hiring anyone to do the work for you.
As for Willis and her family, they are currently alone. “Hopefully we can take care of it ourselves. With the help of friends, family and neighbors, we will make it through.
Also, be sure to check your insurance policy. You may be eligible to pay additional living or dining expenses depending on the damage.
WINK News consumer reporter Andryanna Sheppard reached out to Governor DeSantis’ office to see if there was a plan to help communities impacted by these tornadoes. So far, we have not received a response.
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https://www.winknews.com/2022/01/17/assessing-the-damage-done-to-your-home-property-after-a-storm/ Assessment of damage to houses and properties after the storm