The Hurricane Has Hit. Now What Do You Do?

The Hurricane Has Hit. Now What Do You Do?

By now, we are all well aware of the unprecedented damage that has been caused by Hurricane Harvey in the Houston, Texas area. And, now there is news of another impending disaster. Hurricane Irma is heading for the U.S., and is a very large Category 5 storm with the potential to wipe whole cities off the map. 

With this in mind, I would like to provide some guidance with respect to dealing with damages caused by a disaster of this magnitude. Here is a list of some of the things you should do, along with some advice on how to deal with losses to your property and contents.

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Follow The Money: The Bilking of Superstorm Sandy Victims

Follow The Money: The Bilking of Superstorm Sandy Victims

In early March, 60 Minutes, America’s oldest and most-watched television news magazine, filed a report entitled, “The Storm After The Storm.” Correspondent Sharyn Alfonsi investigated allegations that thousands of homeowners were denied flood insurance claims as a result of the damage brought on by Superstorm Sandy in the fall of 2012.

Now, two-and-a-half years later, we are finding out that thousands of claims still have not been resolved. Even worse, many of the homeowners who suffered losses have been completely cheated out of their claims. How? According to 60 Minutes, “There is evidence that many homeowners were victims of what appears to be wide-scale fraud where original damage reports were later changed to make it look like the damage wasn’t as bad.”

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Hail! Hail! Insurance Damage Claim Estimates Are Here!

Hail! Hail! Insurance Damage Claim Estimates Are Here!

The National Insurance Crime Bureau (NICB) recently reported that insurance claims resulting from hail-storm damage increased 84 percent in 2012 from their 2010 level. In 2010, there were 467,602 hail damage claims filed. That number increased to 689,267 in 2011 and to 861,597 in 2012—an overall increase of 84 percent from 2010 to 2012.

So, just what is hail? Hail is a form of solid precipitation. It consists of balls or irregular lumps of ice, each of which is called a hailstone. Hail is possible within most thunderstorms, as it is produced by cumulonimbi, usually within two nautical miles of a parent storm. Hail formation requires environments of strong, upward motion of air and lowered heights of the freezing level.

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Extreme Storms and Property Damage Are On The Rise. Here's Why.

Extreme Storms and Property Damage Are On The Rise. Here's Why.

Regardless of whether global warming is or is not the cause of climate change and the recent extremes in weather we have experienced, one thing is for sure: we can expect to see heavier rainfall, heavier snowfall, an increase in the number of severe storms and a greater potential for property damage. Several reports have been released over the past few years that outline the trend toward more severe weather.

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