Storm Preparedness and Recovery: What You Need to Know

Storm Preparedness & Recovery

Wisconsin has seen its share of intense storms—strong winds, hail, flooding, and tornadoes can strike with little warning. Whether you own/rent a car, home, or business, being prepared before the storm means knowing how your policy works and what to do in the event of a loss. This can not only help protect your property but also provide you with peace of mind.

Before the Storm: Preparation is Key

1. Review Your Insurance Coverage
   Make sure your home or business insurance policy reflects any recent changes—such as property updates, a new roof, or major purchases like a new watch or jewelry. It's also important to review how your current policy and deductibles would apply in the event of wind, hail, or other types of losses.
   For business owners, now is a good time to reassess your commercial policies. Consider adding coverage like equipment breakdown or business interruption insurance, which can help cover lost income and payroll expenses if a covered loss occurs.
2. Create an Emergency Plan
   Create clear evacuation routes and designate shelter areas. Ensure all employees or family members are familiar with the plan, and keep emergency contacts easily accessible.
3. Prepare Your Property
   Trim trees and clear debris to reduce hazards. Secure outdoor items like furniture and signage. Clean gutters and drains to prevent flooding, and consider surge protectors or backup generators for added protection.
4. Build a Storm Kit
   Include flashlights, batteries, bottled water, non-perishable food, first aid supplies, chargers and digital copies or important documents. 

After the Storm: Stay Alert and Aware

Check for Damage Safely
Once it’s safe to do so, inspect your property for damage. Take photos and document everything to support your insurance claim.

Contact Your Insurance Advisor
Reach out to your insurance representative right away. The sooner you start the claims process, the quicker you can get the support you need.

Beware of Storm Chasers
Unfortunately, severe storms often attract unethical contractors—commonly known as "storm chasers." These individuals or companies travel to storm-affected areas, offering quick, often substandard repairs and pushing for upfront payments.

How to Spot a Storm Chaser:

•  They go door-to-door offering their services soon after the storm.
• They may over-promise coverage.
• They may offer to cover your deductible. 
•  They pressure you to sign contracts immediately under the guise of an inspection. 
•  They ask for payment upfront.
• All online reviews are very recent or overly positive.

What You Should Do Instead:

•  Work with local, trusted contractors and roofing companies.
•  Verify credentials, licenses, and insurance.
•  Ask for references and written estimates.
•  Consult with your insurance advisor before signing anything.

Final Thought: Partner with a Trusted Advisor

At Ansay & Associates, we’re here to help you prepare before disaster strikes—and be your advocate in the aftermath. Whether it’s reviewing your current policy, filing a claim, or navigating post-storm repairs, we’re just a call away. Don’t weather the storm alone. Contact us today.