Long Term Recovery

Now that you have had the opportunity to catch your breath and protect yourself and your family, you can focus your attention on completing the recovery process. As you move through this next phase, please consider the following:

1. Do not discard any damaged items until an inventory has been completed. Your insurance company will consider all damage in developing your claim.

2. If you are considering contracting for inventory or repair services, discuss your plans with your insurance company first. Your insurance company may already have agreements with preferred contractors or service providers.

3. Be sure you understand the details of the recovery plan. Key elements of any plan should include:

a. Securing your property from further damage or loss.
b. Determining the total amount of the loss. (Building, contents, loss of use, temporary living expenses, etc.)
c. The method(s) and timing of reimbursements for expenses.
d. The nature of repairs to be undertaken.
     i. Repairs to the building and surrounding property.
     ii. Repair, renewal, or replacement of furnishings, equipment and other personal property.
e. Packing, transportation, and storage of household items if necessary, and access to these items if necessary once they are in storage.
f. Quality, experience, and references of contractors and service providers. (Who is ultimately responsible for the quality of work and who handles errors, omissions, or quality issues?)
g. A timeline of key events, with an estimated completion date.