Picking up the pieces after the storm

  • Published
  • By Harry Lundy
  • 4th FW Public Affairs
SEYMOUR JOHNSON AIR FORCE BASE, N.C. --  After a hurricane, there may be a lot of work required to get life back to normal. The strong forces of wind and water can wreak havoc on anything in its path. 

The North Carolina Department of Insurance recommends reporting any property damage to your agent as soon as possible. This must be done before filing for any entitlement. Claims can be made for flooding with the Federal Emergency Management Agency once the homeowner' s insurance is notified. 

Ask if there is anything that needs to be done while waiting for the adjuster. Write down damages to the house and take pictures while waiting. 

When the adjuster arrives, do not take out your frustrations on them. They will be trying to help many people in as little time as possible. The process will move faster and smoother with the cooperation of both parties. 

Do not hesitate to ask for a registration number and a letter from the Department of Insurance if approached by a public insurance adjuster. These documents prove they are authorized to conduct business in the state. It will also eliminate the instance or chance of becoming the victim of a scam. 

Keep all receipts. Some companies will reimburse the reasonable expense of protecting the home. Additionally, compensation is given to rent temporary shelter. This benefit is paid out when the house is uninhabitable due to physical damage. The adjuster will be able to help with this. 

It is important to refrain from having any repairs made until after the property is inspected by the insurance company. Furthermore, they may not pay for damage that has been repaired prior to inspection. 

In accordance with the 4th Civil Engineer Squadron hurricane information brochure, residents of dormitories and base housing need to check their quarters for damage. Any structural problems can be reported to 4 CES service call at 722-5126. 

Water damage requires additional care when it comes to repairs. According to the North Carolina Department of Health and Human Services web site, a building must be cleaned, disinfected and completely dry before it is occupied. Items must be thrown away if this process cannot be performed. 

Water will get everywhere. It is important to check and dry the floors, walls and duct work. If this is overlooked, mold and mildew will grow and can create a health hazard. 

Recovering from the damaging effects of a hurricane may not be quick or easy. Taking proper steps will reduce delays and help the process move smoothly.