The exact path of a hurricane or tropical storm is sometimes unclear, leaving us scrambling and stressed to prepare with little notice. Creating a plan with your family and being ready to evacuate to safety, if needed, are important. Here are a few more steps to consider before a hurricane: Understand your insurance coverage Take “before” photos of your home and possessions Gather important documents, records, and receipts Inventory your possessions and property Visit the CDC guidelines for creating an emergency plan and preparing your home, family and pets

Always first and foremost, when you return to your home make sure you and you loved ones are safe from hazards: power lines, electrical or gas appliances, flood water, debris, and other dangers. Consider the following steps when dealing with property damages after a hurricane: File a claim with your insurance company Take photos of any property damages (interior and exterior) Keep detailed records of documents and conversations with the adjuster and the insurance company including names, dates, and summaries Create an inventory list of your damaged property and possessions Prepare receipts or proof of payment for damaged items Contact trusted contractors to inspect your damages and write bids for the repairs

Inspect the Roof - As the most susceptible to wind and storm damage, make sure to check the roof for damaged shingles and seams, broken or missing materials, holes or gaps, loose and fallen debris, and any water stains or discoloration Thoroughly Check Windows - Whether single or double pane, windows can easily take on damage from a large storm. Inspect for cracks and dents in frames, rips or holes in window screens, broken panes, or damage to the seal in double panes which creates fogging. Investigate the Attic - Make sure to inspect the hidden areas like attics and crawl spaces for flooding and water damage. Check Gutters & Pipes - Pipes, gutters, and downspouts can be cracked or chipped, or even be obstructed with debris. Access Fences, Decks & Porches - It is common for exterior surfaces to experience breaking, paint chipping, cracking and other damages. Inspect Driveways & Walkways - Be aware of the ground surfaces and inspect for cracks in the sidewalk or gravel astray. Be Mindful of Trees & Debris - Take a look at all trees and plants on your property, as well as your direct neighbors.

Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when: You have questions regarding your policy coverages The insurance adjuster’s estimate is lower than expected Damages are extensive and claims are more complex Claims are delayed or denied Galindo Law understands the havoc caused by a hurricane. Our team offers care and legal support when dealing with hardened insurance companies. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.