Homeowners Insurance MA: After the Storm

We all understand the importance of homeowners insurance and MA is no stranger to the occasional tornado and hurricane, and the common nor’easter is capable of causing damage too. Should your home suffer storm damage, your insurance can cover you financially (within your policy limits) for repairs and rebuilding. Here’s a checklist to help get your claim processed as quickly as possible:

1. Contact your insurance company or agent immediately. Your agent will take as many details as possible over the phone.
2. Pull out your policy if it is accessible, so that you have a clear understanding of what is and isn’t covered. Speak to your agent for clarification if you have any concerns.
3. Take photographs or video the scene before you clean up. This will help with the claims process by providing clear images of the nature of the damage.
4. Make any temporary repairs if necessary to keep your home secure. Do not make any permanent repairs until the damage has been assessed by your insurance provider.
5. Keep all receipts for temporary repairs, accommodation and meals if you are forced to evacuate your home. Provide all documentation to your agent. Including building/repair quotes.

It’s also important to be on guard after a major storm as scam artists posing as builders or assessors have been known to surface. Always ask for business cards and written quotes and never feel pressured to sign anything. 

Protect yourself with homeowners insurance. MA will always be home to nor’easters and other wind storms so knowing you are financially protected is reassuring.