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Our thoughts and prayers are with all those that have been affected by this week's horrible storm outbreak!

As a reminder if storms do develop in your area, below are some guidelines to follow after the storm that may be helpful to keeping you and your family safe and help you pick up the pieces.

 

What to Do After a Tornado

Severe thunderstorms, lightning and hail can accompany a tornado. High winds can down electric lines, telephone poles and trees. Buildings damaged by a tornado may be unstable and can potentially collapse. If a tornado touched down in your neighborhood and caused damage to your home or your car, follow these tips:

1. Be Safe

Make Personal Safety Your First Priority

  • Stay out of damaged buildings.
  • Watch out for broken glass, sharp objects and exposed electrical wires.
  • Listen to the local radio for up-to-date information.
  • If you were evacuated, don’t return until local authorities say it’s safe for you to do so.

Check for Damage

  • Stay out of your home if it is severely damaged.
  • Check gas, electric and sewage systems, and your chimney.
  • If gas is leaking, turn it off at the main shut-off valve, leave the building immediately, and call a professional for service.

Drive with Extreme Caution

  • Watch out for downed power lines and debris.
  • Be aware that bridges and roads may be weakened and damaged.
  • Never drive around site seeing to look at damage, this can impede getting first responders into the area and can put your safety at risk as well.

2. Contact Us

918-664-7100 or http://www.louisbloschagency.com/ click on "contact us" for  more numbers in case of emergency.

When it’s safe to do so, call us as soon as you can.

Be ready to provide the following:

  • Your policy number or at least the name of your insurance company (in case our power or computer access is limited)
  • Where is the damaged property?
  • How extensive is the damage?
  • Are temporary repairs needed?
  • If the authorities were contacted, which department responded and what is the report number?
  • Your current contact information and the best time to reach you

Be prepared to provide as much detail as possible about the damage. If possible take photographs and videos of damage caused by the tornado. They can help expedite the claims process. Owner’s manuals, serial numbers and credit card statements are useful to document personal belongings that may have been damaged or lost. But, don't risk your life or well-being trying to salvage them if your home has been destroyed, there are other ways to take inventory. 

In catastrophic events most insurance companies set up Catastrophe Claims Centers to help with immediate needs and provide claims service as fast as possible.  Depending on the size of the area damaged and the number of people needing help, claims service time can vary, but usually you will be contacted within 72 hours.  A sort of triage is set up for those needing the most help first, so if your home is completely destroyed you will be in line first before those that just have roof or siding damage but the home is still inhabitable.  


3. Prevent Further Damage

Safeguard Your Home and Your Car

If you are spared from total destruction and only suffer minor to moderate damage to your home, in a catastrophic event it may take days or weeks for you to get a claim settled due to the number of claims in your area.   There are some things you can do to prevent further damage and secure your belongings, and the cost you assume can be reimbursed.   Heavy rain is often a part of tornadoes and windstorms. The longer your home is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings you have inside. It’s important to take some steps to protect yourself and your property from any further damage after a tornado. However always remember to never make any repairs until the storm has passed and all threat of severe weather has subsided and never risk your life trying to make repairs if there are downed power lines or trees. 

Tornado Damage to Your House

  • Board up broken windows and doors.
  • Cover roof damage with tarps or plywood and remove debris.
  • Move any wet items to a dry area.
  • If possible, place any damaged items in a safe, secure area where they can be inspected later.
  • Save receipts for any temporary repair expenses.

Tornado Damage to Your Car

  • Cover broken car windows with tarps or plastic sheeting.
  • If possible, place any damaged items in a safe, secure area where they can be inspected later.

4. Repair Your Home and Car

Get Your House Repaired

Please wait until a claims adjustor assesses the tornado damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor NEVER use pop up vendors or companies that just flock into the area when a disaster strikes!  These usually are not licensed,  quality contractors and some prey on victims, promising fast convenient service, but never deliver. Never pay money up front for their services, even if is just debris removal, make sure the job is done before you pay them.  

Get Your Car Fixed

If your car has been damaged by a tornado, allow an adjuster to look at it and access the damage before you make any repairs.

Temporary Housing
While Your Home is Being Repaired or Rebuilt

If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, your homeowner's insurance pays for your additional living expense while you are misplaced from your home and you also may be eligible for additional assistance from federal emergency programs.


You concentrate on keeping yourself and your family safe!
 We will do all we can to help you get your home and your belongings back in place!
Posted 10:51 AM

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