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6 Steps to Recover After Storm Damage

Featured Image
A large tree in a house.

Life in Virginia means there is always potential for storm damage to your home or vehicle. Whether it’s a thunderstorm, blizzard or hurricane, these storms can leave you with power outages, downed trees and damage to your home. Even with homeowners insurance and auto insurance, you can be left with unexpected out-of-pocket expenses and high deductibles that can create a financial storm within your budget.

Here are a few tips to help you manage the clean up after a storm:

  1. Contact your insurance company as soon as possible. This is the most important thing you must do if your house or car has been damaged. Your agent will help answer questions about your claims and determine if the damage will be covered by your plan.
  2. Stay away from downed power lines. If you feel a downed line presents danger, call 911 first. To report downed lines and power outages, call your power company.
  3. Take photos. Document any damage by taking photos from many different angles before you start any clean up or repair. Your insurance company may require documentation before the claim process can begin.
  4. Talk to your neighbors.If several people on your street need to have trees removed, you may be able to save a little money by using the same contractors. Businesses may be willing to offer reduced rates if they already have all their equipment and staff nearby.
  5. Assess your emergency funds. If you have been saving money in your emergency fund, this may be the time to withdraw the savings to prevent any additional debt. Determine how much you will need and if you have any or all of the funds available.
  6. Consider a personal loan from Virginia Credit Union. Even if you have some savings available, it may not be enough to cover the unexpected costs of repairs after a storm. You can borrow as little as $100 and the application is quick and easy.

We hope you never have to incur any major expenses after a storm. But if you do, we’re here to help. Get started here.

Virginia CU Insurance Services offers a complete line of insurance services, including homeowners insurance and automobile insurance.

Business conducted with Virginia CU Insurance Services, LLC (VACUIS) is separate and distinct from any business with Virginia Credit Union (VACU). VACU is not responsible for products and services purchased through VACUIS or Southwest Business Corporation (SWBC). Neither VACUIS nor SWBC is insured by NCUA or any federal government agency. Insurance products offered through VACUIS and SWBC are not a deposit of or guaranteed by a credit union or credit union affiliate, and may lose value.