As much as you prepare your home to prevent disasters from occurring, sometimes they can’t be avoided. When that happens, it’s important to know how to deal with the tragedy and its aftereffects to help provide your family with a safe and comfortable place to live while you get back on your feet. Fortunately, there are many things you can do to help make the process easier.
Find a Place to Stay
When it’s in good condition, your home serves as a good jumping-off point to organize and collect the major decisions you have to make. When your home suffers major damage, though, you’ll still be faced with many major decisions to make, but you won’t have that haven of security and comfort to make them in. People underestimate how much emotional stability their homes provide, which is why you should find a new place to call home. Consider staying with friends and family if possible as you get your feet back under you. If that is not possible a hotel or corporate housing which, from St. Louis Corporate Housing, come “fully furnished and tastefully decorated, with central heat and air conditioning. Most of the units allow pets, so you can make yours feel homey and lived in.” Depending on the damage, the place you are staying at could be your home for some time, so please plan accordingly.
Know Who to Call
Knowing who to call is not as simple as it sounds. Was it a disaster limited to your home or part of a larger event? Does your job cover time off for these situations or do you need to use vacation time? Most agree that the first people you should talk to, after making sure everyone is safe, is your insurance company. They can help you through this process, and ensure you get the best deals and get the most out of your insurance policy. They can even help with finding a place to stay, as well as getting your life back on track after the disaster You will also have to find storage for the items that are not damaged, but you can not take with you to wherever you want to go.
Rebuild or Move On?
During the course of discussing the situation with your insurance company, you will eventually have to make the choice to either repair or move on. Sometimes, unfortunately, you simply can not rebuild what was lost. Please be aware that after a disaster you will usually still have to pay your mortgage. Insurance agents will be able to help you with this decision, as well as presenting you with the facts about what you can do.
Perhaps most importantly, do everything you can to not panic. Yes, disasters can disrupt your life, and it will certainly be a challenge for you, but the reason people get insurance is just in case these things happen. According to the Insurance Information Institute, “In 2015, 5.9 percent of insured homes had a claim.” Remember that you are not alone in this. Your friends, family, and insurance company are more than willing to step in and help as best they can during the difficult process.