Devasting Impacts of Severe Weather in Shreveport
Residents across Shreveport, Louisiana, are now picking up the pieces in the wake of the destructive storm that swept through the ArkLaTex region this Monday. In response, local insurance agents are gearing up to receive a surge of claims as homeowners grapple with the aftermath of property damage.
For those affected, it is critical to contact their insurance providers and initiate the claims process without delay. The following pointers will provide some guidance on what to do before and after filing your claim.
Filing Your Insurance Claim: Important Considerations
As you prepare to file your claim, try to gather as much evidence of the damage as possible; take photos and videos, and make sure to note the date and time of the incident. If temporary repairs are needed to prevent further damage, keep all the receipts, as this could be crucial in securing reimbursements.
While some contractors may offer their services directly at your doorstep, proceed with caution. Such individuals may potentially seek to exploit the situation. As a homeowner, ensure that you:
- Don’t make any upfront payments.
- Get all agreements in writing.
- Obtain references and physical business address of the contractor.
- Steer clear of any offers to cover your deductible as an incentive for their services.
Be Vigilant Against Insurance Fraud
Keeping an eye out for insurance fraud is crucial, particularly in the aftermath of severe weather conditions. Dishonest contractors may attempt to inflate costs or collect money without completing the job. Understanding that money from insurance claims or federal aid may be flowing into the area, these fraudsters become particularly active.
David Glawe, President and CEO of the National Insurance Crime Bureau (NICB), highlighted the risk. Saying, “Money will come in either from the federal government, or insurance, or a hybrid of both, and the fraudsters know it.”
The NICB offers the following advice for dodging scams post a storm:
- Get estimates from multiple contractors and carefully check their credentials.
- Be suspicious of doorstep contractors seeking your business.
- Insist on a detailed written contract devoid of any blank spaces.
- Apart from a reasonable down payment, delay full payment until the work is completely done and up to standards.
- When possible, favor checks or credit card payments over cash transactions.
In conclusion, homeowners should take their time to evaluate their options and make informed decisions when making post-storm repairs and insurance claims. Understanding your rights and responsibilities can safeguard against potential scams and ensure a more efficient recovery process from storm damage.
