Hurricane season may not be top of mind for many Pennsylvania homeowners, but severe storms with strong winds and heavy rains can and do make their way up the coast. When they do, the damage can be costly and stressful. Having worked with countless families after hurricanes and major storms, I can tell you that preparation makes a real difference, not only in how much damage you prevent but also in how smoothly the recovery process goes if you need to file a claim.
Below are some practical steps to take before and after a hurricane to help keep your home and family safe.
What to Do Before a Hurricane
1. Inspect your roof and gutters.
Loose shingles and clogged gutters are some of the most common causes of water damage during a storm. Secure shingles, clean gutters, and make sure downspouts are directing water away from your foundation.
2. Secure outdoor items.
Patio furniture, grills, and even small decorations can become dangerous projectiles in high winds. Bring them inside or anchor them securely.
3. Check windows and doors.
Make sure seals are intact and consider installing storm shutters or plywood on larger glass areas. Water intrusion around windows and doors is one of the most frequent issues we see after hurricanes.
4. Test your sump pump.
If you have a basement, a working sump pump can be the difference between staying dry and dealing with a flooded home. Test it in advance and consider a backup power source.
5. Review your insurance documents.
Take time to understand your policy and know what is covered. Photograph or video key belongings in your home. Having this record is invaluable if you ever need to prove the value of damaged property.
What to Do After a Hurricane
1. Stay safe when inspecting.
Wait until local officials say it is safe to go outside. Avoid downed power lines and floodwaters. Wear protective shoes and gloves when checking your property.
2. Contact a Public Adjuster.
Your first step should be to call us at Property Adjustment Corporation, Public Adjusters. We work for you, not the insurance company, and we will handle the claim from start to finish. Our job is to make sure your damage is fully documented, your policy is interpreted correctly, and that you receive the settlement you truly deserve.
3. Document everything you can.
Take clear photographs and videos of any damage before moving or discarding items. We will use this information when building your claim.
4. Prevent further damage.
If it can be done safely, cover broken windows with plastic, place tarps on roof openings, and move undamaged belongings out of wet areas. Insurance companies will reimburse homeowners for the cost incurred to protect their property.
5. Let us handle the insurance company.
Rather than spending hours on the phone and navigating confusing policy language, you can focus on your family and your recovery. We will report the damage, manage communications, and negotiate directly with the insurance company on your behalf.
Final Thoughts
You cannot control where a hurricane will hit, but you can control how prepared you are. Simple steps before the storm and careful actions afterward can protect both your property and your financial recovery. If you do suffer damage, reach out to Property Adjustment right away. With 35 years of experience helping Pennsylvania families recover after storms, We will guide you through the process and make sure you receive the settlement you deserve.
