Home Ownership Most Popular Articles

4 Steps to Getting Back on Your Feet After a Storm

A house destroyed after a storm.

If your property is damaged during a hurricane or other natural disaster, follow these steps to help get back on your feet.

  1. Report your claim.
  2. Make temporary repairs. Don't take unnecessary risks trying to secure your property or take photographs of damage after a storm. First, make sure you and your loved ones are safe. Then:
    • Take reasonable steps to protect your property from further damage. Don't make permanent repairs until a claims adjuster has assessed the damage.
    • Photograph debris or destroyed items before you have them removed or repaired.
    • Beware of contractors who ask for a large amount of money upfront and contractors whose bids are very low — they might cut corners and leave you with problems after they're gone.
    • Save receipts for what you spend, and submit them to your USAA adjuster for possible reimbursement.
  3. If you need to relocate, keep the receipts. Keep records of all additional expenses. Homeowners insurance generally provides coverage for additional living expenses if your home is damaged by a disaster that's covered by your policy. Review your policy coverage to see the extent of this kind of coverage and how long it will last. It's also important to review and update your contact information with your insurance company, especially if you're at a temporary address and using a different phone number.
  4. Prepare for the adjuster's visit. Provide your insurance company with complete information about the damage to your property. Include a description of damaged or destroyed items, dates of purchase and what it would cost to replace or repair them.

Related Topics

Home Maintenance

Military News App by Military.com

Download the new Military.com News App for Android on Google Play or for Apple devices on iTunes!

Contributor

USAA, a diversified financial services organization, is the leading provider of competitively priced financial planning, insurance, investments, and banking products to members of the U.S. military and their eligible families. Rated among the highest among financial services companies for customer advocacy in a Forrester Research survey, USAA provides convenient and accessible financial products to its more than 9 million members. For more information about USAA, or to learn more about membership, visit usaa.com

Featured VA Loan Articles

  • VA Loan Closing Costs: An Added Benefit
    Besides the advantage of requiring no down payment for qualified VA borrowers, there's also a distinct advantage for the borrow...
  • White suburban home.
    IRRRL Facts for Veterans
    Military.com
    IRRRL stands for Interest Rate Reduction Refinancing Loan,also known as a "Streamline" or a "VA to VA" loan.
  • US Map Showing High Cost Counties
    VA Loan Limits for High-Cost Counties 2017
    Military.com
    The VA loan limit for 2017 is $424,100. But it could actually be substantially more if you buy a home in a high-cost county. Se...
  • Get the FAQs on VA Home Loans
    We've answered 16 of the most frequently asked VA Loan Benefit questions. View them now to get a quick understanding of your be...
  • Top 3 VA Home Loan Tips
    There are numerous advantages to having a VA mortgage. A VA mortgage loan can be guaranteed with no money down, in some cases u...
© 2016 Military Advantage