When a pipe bursts, or fire breaks, or a earthquake damages your home, it can be hard to see past the chaos. A mountain questions will run over your mind. What do I do now? What’s going to happen? Will my insurance cover the damage? Here are 5 Things To Look Out For When Dealing With A Damaged House:
1. Your insurance company needs to know right away
It’s a good idea to call your insurance company right away when you discover damage on your house. Your insurance agent can start the claims process
immediately, and guide you through the first steps that you will need to take to guard your property from further damage.
2. The house will need to be cleaned up
The work may be just cleaning and getting rid of the damaged items in the home if the disaster was localized to one room. Cleaning would include removing damaged furniture, removing broken windows, and also the walls may need to be destroyed. Be prepared to clean up the house and find the valuables you want to keep.
3. Repairs will cost you
When you are looking to hire a contractor make sure you set a clear budget and let your contractor know this. Never agree to an estimate over the phone or without the contractor checking your property. If the house is really damaged, you might need an architect to draw up plans and give guidance. You will also likely need to get a building permit.
4. Secure the Property
As the homeowner, it’s your task to secure the property so that no supplementary damage occurs. Put panels over broken windows and install a tarp if the roof has been damaged. Take photographs to prove to the insurance company that you have done everything possible to guard your home against additional damage.
5. Sell Your House
If you’ve already settled with your insurance company and are left with land and a damaged house then you should consider a selling your house. The longer you hold on to the damaged property the more it will cost in the long run. You’ll also owe property taxes on the appraised value of the undamaged home even though the property is damaged.