Tornado Tips.

This was posted today on the Trusted Choice website and I wanted to share it with you. It is a great article on how to be properly prepared if a tornado were to hit. Here it is.

Tornado tips from Trusted Choice® Nebraska
April 14, 2012 By lkittell Leave a Comment

Tornado tips from Trusted Choice® Nebraska GETTING STARTED

A good way to begin your planning process is to gather as much information as you can.
There are numerous resources available to guide you through the process of getting your
household prepared to deal with a disaster. Trusted Choice® offers many
disaster-specific readiness and recovery tips for consumers including the following
suggestions to get started:

• Make a list of each of your insurance policy numbers and the insurance company name,
and keep the information in your wallet, purse, or on your mobile device. For example,
nearly all states use some form of a wallet-size auto ID card, which is required to be kept
on your person, or in the vehicle. It’s a good idea to do have similar information with you
on all your other insurance coverages.
• Make a record of your Trusted Choice® insurance agent’s web site address, and keep this information in
your wallet, purse or mobile device. After a widespread catastrophe, more and more
agencies post information about claims procedures on their web site. This is especially
important in cases where the agency itself has been affected, and has set up temporary
operations at another location. In addition, agency web sites will usually post emergency
insurance claim phone numbers, etc.
• Use social media to contact your Trusted Choice® insurance agent. Many agencies use some form of
social media, such as Facebook, Twitter, etc., and these information outlets can provide
vital, timely information about claims procedures and other necessary information for
policyholders.
• Find out how you and your neighbors would be informed about an imminent disaster.
• Ask if evacuation routes have been established.
• Contact your city’s or town’s planning and emergency assistance organizations. Ask
them for information about disaster planning.
• Contact your children’s school(s) or day care center to learn about the emergency plans
they have in place.
• If a family member is in an elder care facility, check to see what emergency procedures
they will follow.
• Take a First Aid/CPR class from the American Red Cross.
• If you have pets, have a contingency plan in place. Many emergency shelters won’t
accept them.

TIPS FOR FILING A CLAIM FROM WWW.III.ORG
The I.I.I. offers the following suggestions to policyholders whose property has been damaged:

Be prepared to give your agent or insurance company representative a description of the damage. Your agent will report the loss to your insurance company or to a qualified adjuster who will contact you as soon as possible to arrange to inspect the damage. If you have to evacuate, make sure to give your agent a telephone number where you can be reached.

Take photos of the damaged areas. These will help you with the claims process and will assist the adjuster in the investigation.

If you do not already have one, prepare a detailed inventory of all damaged or destroyed personal property. The I.I.I. has free, online software that can help make this process quick and easy—it is available at KnowYourStuff.org. Be sure to make two copies, one for yourself and one for the adjuster. Your list should be as complete as possible, including a description of the items, dates of purchase or approximate age, cost at time of purchase and estimated replacement cost.

Collect canceled checks, invoices, receipts or other papers that will assist the adjuster in obtaining the value of the damaged or destroyed property.

Make whatever temporary repairs are needed to protect your home from further damage and from causing injury to you and others. Cover holes in the roof, walls, doors and windows with plastic or boards to prevent further destruction. Be careful not to risk your own safety in making the repairs—hire someone to make them if necessary. Do not make extensive permanent repairs until after the claims adjuster has been to your home and assessed the damage. Save receipts for any supplies and materials you purchase, and make copies of the bills for your records. Your insurance company will reimburse any reasonable expenses incurred in making temporary repairs.

Secure a detailed estimate for permanent repairs to your home from a reliable contractor and give it to the adjuster. The estimate should contain the proposed repairs, repair costs and replacement prices.

Serious losses will be given priority. All losses will be adjusted and claims paid as quickly as possible but hardship cases are usually handled first. If your home or business has been destroyed or seriously damaged, your agent will do everything possible to assure you are given priority.
The Institute for Business & Home Safety has information on what homeowners and business owners can do to protect their property against windstorms on their website, DisasterSafety.org.
Claims Filing Advice for Homeowners Affected by Hurricanes, Wildfires and Other Disasters. (2010, September, 7). [Press Release] Retrieved from http://www.iii.org/press_releases/claims-filing-advice-for-homeowners-affected-by-hurricanes-wildfires-and-other-disasters.html

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