Keeping an accurate record of any and all storm damage can prove vital in securing a fair settlement on your claim from your insurance company. You want to document your damage in as comprehensive a way as possible.
Photographs
Take lots and lots of photos of any damage to your house, structures, fence, and shed. Make sure they are in focus, and be certain to take pictures from multiple angles. That means wide shots, medium shots, and close-ups.
Document Damage
It’s important you write down a list of all damages to your house. Create a comprehensive list in a notebook. Keep this list up-to-date with any mitigation performed or damage repaired. If you notice damage getting worse or new damage appearing, jot that down, too. Lastly, be sure to date every entry.
After you’re done documenting the any damages to your house and structures, create a list of all your damaged content. Be as descriptive as possible, including information like the make, model, age, and price paid (whenever possible).
Additional Living Expenses
If your policy covers Additional Living Expenses (ALE), be sure to thoroughly document any expenses you take on due to not being able to live in your home. This can include things like hotel room prices, meals, etc. Save any and all receipts for incurred expenses. Just like the damage list, it’s best to keep your ALE list one place, like a notebook.
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