Hurricane Harvey Aftermath...
The following information is intended to help our city (Houston) and neighbors begin the long road to recovery. If you have any additional insight or information that will assist our community in getting through this, please comment. Thank you, stay safe, and BE SOMEONE (for someone) today and everyday
If your primary residence has been damaged by Harvey...
STEP 1 - If you have flood insurance, contact your agent or flood insurance provider and file your claim immediately.
STEP 2A - Contact a restoration and remediation company and get on their list. You can Google search companies, but here's a few my clients and I have had positive experiences with in the past:
Ask the restoration company how quickly they'll be able to get to you and seek advice on whether you should take steps towards limiting additional damage or mold.
STEP 2B - Separate damaged from undamaged property. Your adjuster will need evidence of the damage to your home and possessions to prepare your repair estimate.
Take photographs and make an itemized list of ALL damaged property, including discarded objects, structural damage, and standing floodwater levels. DO NOT put your contents in a pile so they cannot be individually viewed. You must document each item separately. DO NOT DISCARD any item until the adjuster has viewed, documented, and verified the flood damage to each item, unless officials require disposal of the damaged items – in which case you may place those items outside of your home.
The itemized list should include to the best of your ability, the date of purchase, estimated value, and receipts, but if possible, the best practice would be to include all of the following information:
A description of the item (example: Maytag washer machine; Kenmore dryer). The make, model, and serial number of all appliances, such as washer, dryer, weed eater, lawn mower, drill, etc. (example: Maytag washer, model HP3RX serial #45632). The make, model, and serial number of all electronics, such as computers, cameras, etc. (example: HP laptop serial #58862). The age of the item (example: 2 years old). The approximate replacement cost of the item (example: $699.99). The location of the item (example: downstairs bedroom).
STEP 3 - Start searching for a general contractor and check references and reputability. While it is your choice, it is my personal recommendation that you use a reputable local company or contractor if at all possible.
STEP 4 - If you suffered damage to your car or other recreational vehicle(s) and you carry comprehensive insurance on them, don't forget to notify your insurer and file a separate claim or claims on these items.
STEP 5 - FEMA: If you are a renter or homeowner you may qualify for assistance through FEMA. By law, FEMA assistance cannot duplicate the assistance you receive from your insurance company, but you may receive assistance for items not covered by insurance. If your home was impacted by a major disaster FEMA recommends you apply for assistance.
To apply for assistance visit: https://www.disasterassistance.gov/
When you register for disaster assistance either online or by phone, you will need the following to complete your application.
Social Security number Address of the location where the damage occurred (pre-disaster address) Current mailing address Current telephone number Insurance information Total household annual income Routing and account number for your checking or savings account (this allows FEMA to directly transfer disaster assistance funds into your bank account). A description of your disaster-caused damage and losses
Business: FEMA does not offer assistance for small businesses. but they do partner with the Small Business Administration (SBA), which offers low interest loans for business damages.
Secondary Home: FEMA does not offer assistance for your secondary home.
Other Needs Assistance: FEMA offers disaster assistance for some of your other disaster-caused expenses including, medical and dental, child care, funeral and burial, essential household items, moving and storage, vehicle, and some clean-up items.
For additional information you can visit: https://www.fema.gov/individual-disaster-assistance
BE SOMEONE (for someone) today and everyday!