Being prepared can help set the stage for a smooth experience.
CORPUS CHRISTI, Texas – For most people, the recent cold snap was nothing more than a major inconvenience. However, if you end up sustaining damage due to freezing weather, you may be wondering what you should do now.
It seems that when dealing with insurance and contractors, being prepared can help pave the way for a smooth experience.
Stephanie Waterman is an agent with Farmers Insurance. She said filing a claim doesn’t have to be a complicated process and isn’t something you want to put off.
“The sooner you can contact your insurance company or get a restoration company out there, the better it will be every time,” Waterman said.
Your insurance agent can quickly update you on what is and isn’t covered, she added.
“In general, the actual broken pipe will not be covered. Rather, water damage will be covered under insurance,” Waterman said.
Another thing to keep in mind is if your cleaning and repair needs require professional assistance, know who you are dealing with.
Katie Galan of the Better Business Bureau said that after significant weather events, they typically receive reports about unethical contractors working in the area, who are often referred to as “storm chasers.”
“These are people who will come from out of state, and come to try to take advantage of people,” Galan said. “(They’ll say) Hey, I’m doing some work on your next door neighbor’s house, can I come and do some work on your house here? Looks like you have some damage.”
She said it’s important to do your research before trusting anyone to do your repairs. This may include obtaining multiple bids. It should definitely include getting everything in writing.
Another scam to watch out for is a call, text or email from someone claiming to work with your utility company, saying they will turn off your heat unless an immediate payment is made. There’s likely someone who wants to take advantage of your fear, Galan said.
In this case, it’s best to contact your utility company yourself through the phone number on your most recent bill to check the situation.
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