The Need for Mitigation After Storm Damage

6/7/2022 (Permalink)

Having flood insurance is helpful.

The Importance of Mitigation Following Storm Damage

Storm damage can run the gamut from flooding, roofing, and other damages. While having a storm and flood insurance is helpful, you cannot wait for an adjuster if you want to protect your home and claim. According to storm remediation services in Dickinson, TX, there are several reasons to act quickly to mitigate damage.

1. Flood Insurance Requirements
Many insurance companies require homeowners to protect their houses against further losses after damage. If a homeowner fails to mitigate problems resulting in other issues, such as water and mold damage, those losses may not be covered. Additionally, the failure to mitigate losses can jeopardize your entire claim.

2. Vandalism and Looting
Mitigation is about more than preventing further flood damage. Storm damage can result in broken windows, holes in roofs, etc. A damaged home is tempting for looters and vandals. These criminals might see a damaged home as an opportunity. Mitigation strategies aim to protect the home by sealing all entry points.

3. Animal Curiosity
Aside from human beings taking advantage of a vulnerable home, many animals will seize the opportunity to establish a nest or den. Even a damaged home can present an ideal home for some animals. Raccoons, squirrels, birds, etc., will likely find a manufactured structure preferable and safer than other options. Thankfully, standard mitigation practices will seal all entry points. You can also install temporary fencing to limit animal intrusion and curiosity further.

4. More Storms
Finally, waiting for an insurance adjuster before performing fundamental mitigation can leave your property vulnerable to future storms. Your insurance will likely not cover any damages occurring because of subsequent storms.
Most storm and flood insurance policies require homeowners to mitigate the possibility of further loss. Failing to protect your home can result in the rejection of a claim. Therefore, it is best to act fast after a storm, not waiting for adjusters and mitigating any sustained damage.