Mother Nature can be unpredictable, and sometimes even a little shady. Some storms cause instant and obvious damage to your home. Other times, the damage might not be as noticeable. Here are some useful tips to help you discover the potential damage you can’t see.

What if there’s a wait?

If there are a lot of homes in need of repair, you may find that there’s a long line ahead of you. It may be necessary to temporarily fix your home in order to prevent further damages. It might be required if you’re waiting for an adjuster or while you wait for your turn in the repair line. In the meantime, save your receipts to track expenses for temporary repairs.

Review your homeowners insurance coverages

Your homeowners insurance is going to be your primary go-to if your home was damaged in a storm. You may not have experienced storm damage yet, but it’s important to make sure you’re covered if you do. Take a look at these additional coverages to add to your homeowners insurance to help protect your finances after a storm.

Matching siding coverage

If you have vinyl or metal siding that is damaged during a storm you may really appreciate having matching siding coverage. Imagine you have to repair one entire side of your home but when your contractor goes to make the order, he discovers your color has been discontinued and a reasonable match may not be available.

If you have this added coverage, you not only get covered for the damaged side of your home, but you get up to $20,000 toward new siding for the rest of your home so it once again matches.

Actual cash value vs. replacement cost

One thing to discuss with your agent is whether you want replacement cost value or actual cash value coverage for your roof. They’ll be happy to explain which coverage is best for your home.

Optional higher deductible

If you’re the kind of person who is more comfortable with risk, you might want to opt for a higher wind and hail deductible or a percentage deductible. This will mean you pay more out of pocket if there is storm damage, but it could save you a bit on your regular premiums. It’s just one of many ways you can control what you pay for your insurance to better fit your budget.

Need to file a storm damage claim?

Remember, the most important thing in any storm is your safety and the safety of your loved ones. Once Mother Nature has left, then it’s time to take stock of your property and assess any damages — safely.

If you need to file a storm claim, you can easily file your claim online. Log into My Account to get started or use the MyAmFam app. Be sure to reach out to your American Family Insurance agent to ask any questions. They’ll be happy to walk you through the process and help you get on the road to recovery.

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The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.

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