Tag Archives: hurricane irene

Filing a Claim After a Disaster

If you are filing a claim under your homeowners policy because of a natural disaster it could take months to get through the whole process.

Keep track of expenses, such as meal and hotel costs and keep all of your receipts.

Read more at: http://online.wsj.com/article/SB10001424053111904716604576549150244407490.html

If you are not satisfied with a proposed settlement this is where a licensed appraiser can help.  We can appraise property for value before the disaster, or do a detailed cost of replacement of your home.  Contact the appraisers at www.socalappraisalserv.com for your appraisal needs.  Also have a lawyer look at your homeowner’s policy and have them detail everything your policy states you are entitled to.  Have them look  into the loopholes and have them identify them for the appraiser.  In times of disaster there are charity groups that offer legal advice, take advantage and find out your rights.

If you have exhausted your insurance contact FEMA at www.fema.org

Disclaimer: For information and entertainment purposes only.

Returning Home After A Distaster

Contact or listen to local reports for when the experts believe it is safe to return to your home.  Even though your neighborhood made it through the storm ok the surrounding streets may be impassable.

Returning home can be both physically and mentally challenging. Above all, use caution.

It may be emotionally overwhelming for some to return to their home but remember your alive, and your family is alive and everything else can be replaced.

 General tips:

  •  Keep a battery-powered radio with you so you can listen for emergency updates and news reports.
  • Use a battery-powered flash light to inspect a damaged home.Note:The
  • flashlight should be turned on outside before entering—the battery may produce a spark that could ignite leaking gas, if present.
  • Watch out for animals, especially poisonous snakes. Use a stick to poke through debris.
  • Use the phone only to report life-threatening emergencies.
  • Stay off the streets. If you must go out, watch for fallen objects; downed electrical wires; and weakened walls, bridges, roads, and sidewalks.

Before your Enter Your Home:

Walk carefully around the outside and check for loose power lines, gas leaks, and structural damage. If you have any doubts about safety, have your residence inspected by a qualified building inspector or structural engineer before entering.

Do not enter if:

  • You smell gas.
  • Floodwaters remain around the building.
  • Your home was damaged by fire and the authorities have not declared it safe.

Going Inside Your Home:

When you go inside your home, there are certain things you should and should not do. Enter the home carefully and check for damage. Be aware of loose boards and slippery floors.

The following items are other things to check inside your home:

  • Natural gas. If you smell gas or hear a hissing or blowing sound, open a window and leave immediately. Turn off the main gas valve from the outside, if you can. Call the gas company from a neighbor’s residence. If you shut off the gas supply at the main valve, you will need a professional to turn it back on. Do not smoke or use oil, gas lanterns, candles, or torches for lighting inside a damaged home until you are sure there is no leaking gas or other flammable materials present.
  • Sparks, broken or frayed wires. Check the electrical system unless you are wet, standing in water, or unsure of your safety. If possible, turn off the electricity at the main fuse box or circuit breaker. If the situation is unsafe, leave the building and call for help. Do not turn on the lights until you are sure they’re safe to use. You may want to have an electrician inspect your wiring.
  • Roof, foundation, and chimney cracks. If it looks like the building may collapse, leave immediately.
  • Appliances. If appliances are wet, turn off the electricity at the main fuse box or circuit breaker. Then, unplug appliances and let them dry out. Have appliances checked by a professional before using them again. Also, have the electrical system checked by an electrician before turning the power back on.
  • Water and sewage systems. If pipes are damaged, turn off the main water valve. Check with local authorities before using any water; the water could be contaminated. Pump out wells and have the water tested by authorities before drinking. Do not flush toilets until you know that sewage lines are intact.
  • Food and other supplies. Throw out all food and other supplies that you suspect may have become contaminated or come in to contact with flood water.
  • Your basement. If your basement has flooded, pump it out gradually (about one-third of the water per day) to avoid damage. The walls may collapse and the floor may buckle if the basement is pumped out while the surrounding ground is still waterlogged.
  • Open cabinets. Be alert for objects that may fall.
  • Clean up household chemical spills. Disinfect items that may have been contaminated by raw sewage, bacteria, or chemicals. Also clean salvageable items.
  • Call your insurance agent. Take pictures of damages. Keep good records of repair and cleaning costs.

For more information go to: http://www.fema.gov/pdf/areyouready/recovering_from_disaster.pdf

Disclaimer: For Information and Entertainment Purposes Only.

 

What You Should Have In Your Emergency Kit

 

Recommended Items to Include in a Basic Emergency Supply Kit

Or go to:  http://www.ready.gov/america/_downloads/checklist.pdf

  • Water, one gallon of water per person per day for at least three days,for drinking and sanitation
  • Food, at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
  • Flashlight and extra batteries
  • First aid kit
  • Whistle to signal for help
  • Dust mask, to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Can opener for food (if kit contains canned food)
  • Local maps
  • Cell phone and chargers

Additional Items to Consider Adding to an Emergency Supply Kit

  • Prescription medications and glasses
  • Infant formula and diapers
  • Pet food and extra water for your pet
  • Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container
  • Cash or traveler’s checks and change
  • Emergency reference material such as a first aid book or information from www.ready.gov
  • Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
  • Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes. Consider additional clothing if you live in a cold-weather climate.
  • Household chlorine bleach and medicine dropper– When diluted nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
  •  Fire Extinguisher

  • Matches in a waterproof container

  • Feminine supplies and personal hygiene items

  • Mess kits, paper cups, plates and plastic utensils, paper towels

  • Paper and pencil Books, games, puzzles or other activities for children

Disclaimer: For information and Educational Purposes Only