Storm damage can be absolutely devastating to a home with the proper conditions. It is hard to prepare for the natural forces of the weather due to its inconsistency and effects, but it is not impossible. Storm property damage in RI can happen at any time so it is important to stay prepared and also know the kind of damage that can be caused by storms and other natural forces. There are many questions that are tied with insurance coverage on the damage that is caused by external forces, or also known as “acts of God.” You might be wondering who is responsible for this damage and who will be paying. This blog will help you figure out those things and find out some more information as to what can be done after your home or business has been affected by storm property damage in RI.
Let’s start with a very basic example: a tree falls onto your home during a storm, what happens next? Well, for starters, you are going to want to give Rhode Island Restoration a call so that we can get over to your home or business immediately and begin the restoration process. When a tree falls on your home, it can become a very tricky situation for you and your insurance company. When a home is assessed, the items on the property are also assessed with it. So, if you have a tree on your property that has become weakened and you are told to have it removed, any damage that this tree causes to your property is solely responsible for you as you were notified to have it removed. Of course, there are certain situations that deviate from this, but this is typically the case.
Storms are typically referred to as “acts of God.” These acts are defined as events that occur outside of the control of humans and it is typically a natural disaster such as a flood, tornado, hurricane, etc. These acts are usually specified by insurance companies as to which acts are covered in their policies. Sometimes, an additional clause is known as the “force majeure” clause which limits the liability of injury and damages from acts of God. It is important to know this information as it is part of owning a property and you should know what can happen to your home.
After a storm has occurred, it is a good idea to just take a look around the exterior of your home to check for any damage to your property. Some common damages from a storm can include holes in your roof, leaks, missing shingles, cracks, chips, torn siding/gutters, and much more. Checking the inside of your home is good too as water can leak through or windows could have been broken. Your power can also go out, so be sure to check for that and make sure all heavy-duty appliances are surge protected.
Overall, storm damage can be detrimental to your home and cause serious damage, but being prepared and knowing what to do during, and after, can save you thousands of dollars. If you’ve experienced any storm damage that resulted in roof damage, water damage, or any other damages to your home, Rhode Island Restoration is happy to take a look and see how we can help you!