Tornado Relief Options in Nebraska & Iowa

What To Do If Insurance Doesn’t Give Enough Funds For Your Tornado Claim?

Here are a few tips for our community in Elkhorn, Nebraska; Bennington Lakes, Nebraska; Minden, Iowa; and any other community affected by the recent tornadoes.

1. Document. Document. Document. Lets get into this message. What does that mean? It means attention to detail. For repairs, walk around your exterior home and notice what is damaged and what is not damaged. For example, how many roofs have blown off or maybe the entire roof flew off or maybe a tree fell into your house? Regardless, all of this has to be presented properly to your insurance adjuster. Look at roof shingles, siding, gutters, windows, doors, framing, and any other exterior aspect. Now lets move into the interior part of the home, how do you assess and evaluate this properly? Think of an entire room from a wide perspective and analyze from top to bottom. A great Public Insurance Adjuster should be able to provide a detailed scope of repairs for the interior and exterior of the home.

1. If you have a business loss there are a few other items to consider. It goes beyond the structure especially if you do not own the structure, then you have to analyze the other portions of your business. Contact us to get a free assessment to get all of the details for your business loss insurance claim.
2. Prevent further damage. What does that mean? Do everything in your capability to provide further damage in your property. Your insurance company doesn’t expect you to re-shingle your own roof, but if there’s a gaping hole, they do expect you’ll take “reasonable steps” to prevent further damage. Draping a tarp overhead might be a viable solution. Obviously if your entire property is gone then begin the process for a proper debris cleanup.
3. Personal property have to be documented thoroughly. Line by line by line. How? There are inventory sheets that need to be filled out in great detail. Contact us to give you an assessment to conduct your personal property inventory and get your claim properly evaluated. You want to account for your items so you are indemnified properly. Your contract is meant to indemnify you after an insurance loss.
4. Get solutions, answers, and reaponses in writing. This is key when working with a Public Insurance Adjuster, there are responses and protocol that needs to be in writing. This is essential. WRITING and PROPER DOCUMENTATION will help you in the long run for an insurance claim. Over documenting or asking for phone conversations in writing will benefit you through this process.
5. Time for an insurance claim. This can vary, by this I mean if one home only has a few shingles to replace compared to another home that needs to reframed from the ground to the roof. These are two drastically different time frames for repairing the home. These two different claims would affect the time frame to settle the claim. The latter claim may need supplements or just multiple inspections to verify the repair process is tracking along properly. If you feel the claim is attempted to be settled and you do not have enough funds to finish the repair for the claim. Call us immediately, we will conduct a free inspection and furthermore we will address the fair repair value to get your back to pre-loss condition.

We are here to help and support the communities in distress. We are here to be your advocate. We listen and provide support through this period of damage.