Is there really such a thing? No one is ever 100% prepared for a disaster to strike. However, there are a few things you can do to avoid being taken completely off guard and feeling utterly lost.
The Restoration Industry Association has compiled a list of things to keep in mind when preparing your home or office for general emergencies: click here for their Disaster Planning Tips
They’ve also provided a checklist to keep in mind if you do need to file a claim:
1. Keep a running list of dates, times, and the individuals you talk to concerning your claim.
2. Get a copy of your insurance policy. This will define and determine your limits as well as your rights and responsibilities to and from your insurance company.
3. Have a clear line of communication with your adjuster.
4. Ask what process is used by your insurance company for listing and identifying the value of personal property.
5. Ask your adjuster about being reimbursed for any lost rent or interruption of business.
6. Ask your adjuster for a sufficient monetary advance for purchases that are necessary. Include enough money to assist with your first month’s rent and security deposit for a temporary dwelling.
7. Save all receipts for any and all meals, hotels, purchases, toiletries, etc. and let your adjuster know you will have these to submit for reimbursement.
8. Remember that it is YOUR choice who the restoration company will be, not the adjuster’s. If you feel that you are being pressured to choose a certain company, you can contact your local Attorney General’s Office to file a complaint.
(For the original RIA list go here)