What to do after hail damage

Posted on: 10:02 pm, May 29, 2012, by and , updated on: 11:49pm, May 29, 2012

The storm has come and gone and now you are assessing the damage.

What is the next step?

Insurance agents say the first thing you need to do is make sure any holes in your roof are covered to avoid further damage.  

If you’re not sure if you have roof damage, walk around your house and look for discoloration on ceiling. 

Any broken windows in your home or car need to be covered as well. 

Call your insurance agent right away. 

If no live person answers, leave a message that details what time you called and your damages.  

The sooner you call, the quicker your agent will be able to visit your home and assess your damage.

Don’t forget to save all receipts for any purchases made that relate to the storm and damage. 

You can submit those to your insurance company for reimbursement.

WORKING WITH YOUR INSURANCE COMPANY

The Oklahoma Insurance Department recommends taking the following steps after your property has been damaged by severe weather:

  • Survey the damage and take pictures.
  • Protect property from further loss or damage. Make temporary repairs and keep receipts for all materials and labor.
  • Make a list of all personal property destroyed or damaged. Note the approximate date, price, and place of purchase and attach any sales receipts you may have.
  • Contact your insurance company. Keep a record of the name of each person you talk to as well as the time and date of the call.
  • Your insurance company will send an adjuster to your property. Ask the adjuster for identification and please remember that your insurance company pays the adjusters so you should not be asked for payment.
  • If your home is uninhabitable, ask your insurance company if your policy covers any additional living expenses until repairs are made, such as lodging, food and clothing.

For questions about insurance claims or to report insurance fraud, please call the Oklahoma Insurance Department consumer assistance number at 1 (800) 522-0071.

DIAL 211

For Oklahoma residents seeking non-emergency disaster or health and human service information, please contact your local 211. Services are available 24 hours a day by dialing 211 from your home or cellular telephone. Please only call 911 for emergencies.

BE READY FOR THE NEXT STORM WITH 4WARN ME APP AND WEATHER RADIO

This week’s weather once again highlights the need for people to stay informed about their local weather. If your power goes out or you aren’t near a TV, stay 4Warned with live streaming weather coverage on your 4WarnMe mobile app. The National Weather Service and OEM remind Oklahomans that a NOAA All Hazards Weather Radio can save lives during severe weather.

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