Q. Locally, we have not experienced the flood and storm damage many have suffered in other areas. However, we always have the risk of those natural disasters. What advice may BBB provide to plan and protect our families and property?
A. The recent storms in many States have many homeowners dealing with flood damage. When flood damage does happen, quick action can minimize disastrous effects on businesses and homes. According to FEMA, just one inch of water in a home can cost more than $25,000 in damage. The Better Business Bureau urges all homeowners to take care when choosing businesses and contractors to help with the cleanup work.
To help property owners navigate the recovery and restoration process, BBB offers these tips:
Check your insurance policy. Flood damage is not covered by standard homeowners or renters insurance policies. In some high-risk flood areas, home and business owners may be required by law to carry flood insurance. To learn more about your state’s requirements check with your Insurance Commissioner.
Repairing the damage. Don’t make any permanent changes to your property until you get approval from your insurance provider. They may not fully reimburse you for repairs made without their permission. Take photos of the storm damage to show your insurance company.