1300 268 371
 1300 268 371

When Storms Strike: A Guide to Recovery

The hours immediately following a weather event are crucial. Whether you're a business owner watching your inventory float away or a homeowner staring at a hole in your roof, knowing exactly what to do can mean the difference between a smooth recovery and months of headaches.

Let's talk about what you need to do when Mother Nature pays an unwelcome visit.

First Things First: Document Everything

I can't stress this enough – before you touch anything, pull out your phone and start recording. I remember a client who was eager to start cleaning up after a storm and threw away damaged items before documenting them. That simple mistake made their claim process significantly more complicated.

Take clear photos and videos of all damage. And yes, I mean all of it. That small water stain on the ceiling? Photograph it. The scattered debris in your yard? Get it on camera. These records are your evidence, and you can never have too much documentation.

Keep Everything (Yes, Everything)

I know it's tempting to start cleaning up immediately, but document first and then store damaged items safely if you can – they're evidence of your loss. The insurer or loss adjuster will provide instructions if you can throw items away, saving stress and arguments at settlement time.

Make That Call

Contact your broker insurance provider or insurance immediately, even if it is outside of normal business hours. If you're wondering whether you should call, you should call. Your policy likely requires prompt notification anyway, and early reporting can speed up the claims process significantly.

Safety First, But Document Temporary Repairs

Sometimes you need to make emergency repairs to prevent further damage – a tarp over a leaking roof, for instance. That's fine, but:


Track Every Expense

Start a dedicated folder (physical or digital) for all storm-related expenses. As an insurance professional, I've seen too many clients forget to track expenses like:

Every receipt helps, so save them all.
 

For Business Owners

If you're a business owner, there are additional steps to consider. Track lost revenue, document damaged inventory, and keep records of any business interruption. These details will be crucial for your business interruption claim if you have that coverage (and if you don't, let's talk about adding it). Working with your accountant or bookkeeper is also a great idea.

Moving Forward

Being prepared is more important than ever, which is why it is important to:


The Role of Your Insurance Broker

Remember, your insurance broker is your advocate in this process. We're here to help you understand your policy, navigate the claims process, and get the coverage you're entitled to. Don't hesitate to reach out – helping you through these situations is why we're here.

In Closing

The aftermath of a severe weather event is stressful enough without worrying about insurance claims. By following these steps and working closely with your insurance professional, you can focus on what matters most: getting your life or business back to normal.

Stay safe and remember – when in doubt, document, document, document.


Need Help Urgently? Check out these resources:

Important notice 

This article provides information rather than financial product or other advice. The content of this article, including any information contained in it, has been prepared without taking into account your objectives, financial situation or needs. You should consider the appropriateness of the information, taking these matters into account, before you act on any information. In particular, you should review the product disclosure statement for any product that the information relates to it before acquiring the product. 

Information is current as at the date the article is written as specified within it but is subject to change. BICS make no representation as to the accuracy or completeness of the information. Various third parties have contributed to the production of this content. All information is subject to copyright and may not be reproduced without the prior written consent of BICS.