Unfortunately, we’ve seen that sometimes, homeowners don’t do everything they can to limit their losses following such events. By keeping a few key things in mind, you can ensure a faster recovery and reduce the financial impact on your family.


Just because a storm hit both you and your neighbor, this doesn’t mean you will both receive the same level of compensation. Your neighbor’s losses don’t dictate your losses. Your neighbor might need to have their roof replaced entirely — but yours might just need some repairs. In addition, coverage differences could mean that certain repairs are your financial responsibility, even if your neighbor has a policy that fully covers the same issue.


Taking action to prevent further damage will speed up the recovery process and help in terms of what your insurance will cover. For example, if you discover water damage, you should stop the source of the leak and start drying out the area. You should always take basic measures to limit or minimize damage to the best of your ability, as long as you can safely do so.


Don’t take a contractor’s word for it when they say that your insurance company will cover the full cost of their work. After all, the contractor wants to get the work. Always check with your agent first so you don’t get hit with a surprise bill later.

Taking personal responsibility following a catastrophe and fully understanding what your policy does or doesn’t cover will help you recover faster and avoid unpleasant financial surprises. They say knowledge is power, and this is one situation when that definitely proves true! Don’t hesitate to reach out to your agent if you have additional questions or concerns about your coverage.