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What to do after a natural disaster in your HOA

By July 10, 2017May 21st, 2020Insurance

Homeowners Association HOA

If your homeowners association property has been damaged in a natural disaster—hurricane, tornado, flood, or fire there are some important steps you can take in the immediate aftermath to ensure your safety and minimize financial loss. Consider the following actions:
 
Enter with caution
Damaged homes or buildings after a natural disaster could be structurally unsafe; use extreme caution when navigating those areas, and don’t enter unless absolutely necessary. Debris and other hazards are unsafe.
 
Secure the property
In cases of significant structural damage or security concerns, determine whether the damaged area needs to be secured with temporary fencing or another type of barrier to keep out unwanted guests.
 
Notify your insurer
Resident’s should their insurance company or your homeowners associations insurance company to inform them there’s been a disaster and to file an official claim. The HOA manager may also be a first contact to help give direction. Take down the claim number and any relevant contact information for whomever will handle your claim. If your vehicle sustained damage, contact your automobile insurer.
 
Notify utility companies
If property damage includes disruption to water, gas or electric utilities, contact the companies right away to shut off service. Failing to do so could pose a safety risk to you or emergency responders in and around the disaster area.
 
Take photos of the damage
Beginning with the property’s exterior, take photographs of the damage. If it’s safe to enter the structure, take photographs of interior damage as well. These will important in handy for insurance purposes (especially claims adjudication).
 
Take inventory of your damaged belongings
Make a list of your damaged personal items and ensure you have photographs. Include the price of large appliances or valuable items with your list and, if possible, surviving receipts.
Depending on the time of year in Florida, the entire state is threatened by hurricanes or flooding. If you live in a homeowners association, find out about natural disasters you should prepare for and be sure to take action by having a plan in place.

EMERGE INSURANCE AGENCY
904-677-5884