No matter what time of year it is, natural disasters can impact a business. It's important to know what the biggest risks might be. There are two important components to plan for when putting together a plan: response and recovery.
Make sure you know what fire damage is and isn't covered by your homeowners policy. If you live in a high-risk area, you may have difficulty getting covered for fires.
Find insurance companies near you by using your Better Business Bureau directory. Get BBB ratings and read consumer reviews and complaints by people in your community.
If your insurance policy has been lost or destroyed, or if you are confused about the policy benefits or exclusions, contact your insurance company to find out what coverages you have and request a copy of the policy.
Better Business Bureau offers the following seven tips when dealing with insurance after a disaster strikes.
The moments after a natural disaster can feel overwhelming. Victims should never feel pressured to make a hasty decision or choose an unknown contractor. Make temporary repairs if necessary so you can take the time to choose a trustworthy contractor.
View business profiles for unbiased information on a company and their marketplace reputation.
Beware of potential scams
Use caution when hiring a home improvement contractor, especially following a major disaster when many homeowners are trying to repair their homes. However, contractor scams can happen any time, so be wary of high-pressure sales tactics, up front fees, and fly-by-night businesses.
After a disaster or very public tragedy, people want to help in any way possible, and that often means contributing to fundraisers to help the survivors and the families of the victims. Sadly, scammers often take advantage of these moments of vulnerability to deceive donors.
People often find that the cost of high-demand items skyrockets during times of emergencies such as ice storms, a severe cold snap, power outages, hurricanes, floods or other types of disasters. Better Business Bureau is here to keep you up to date on unfair ans illegal practices.
Better Business Bureau is warning homeowners affected by natural disasters to beware of “disaster chasers” and out-of-town contractors soliciting business. Although not all storm chasers are scammers, they may lack the proper licensing for your area, offer quick fixes, or make big promises they can’t deliver.