The aftermath of a storm, cyclone or flood can be a very distressing time. You may be without power or water and your home may be damaged or in need of a major clean-up.

Flood damage and storm damage to homes

Here are a few tips to help you get life back on track –

Insurance

If your home has been damaged by a natural disaster you will need to contact your insurance agent. Some policies do not cover flood damage so it is best to find out the scope of your policy before you order expensive repairs. You will also need to find out any requirements of your policy, for instance, it is common to have to seek two or more quotes before a repair is undertaken.

Safety first – check the electrics

Electrical safety should be your first priority after storm damage. You should seek the help of a qualified electrician if your home has been inundated with water or suffered significant water damage. An electrician will check circuitry and appliances for safety and functionality.

Plumbing and gas

In the event of serious storm damage, you will need to check your plumbing particularly if you have an on-site sewage treatment plant. Gas fixtures may also need to be checked to make sure they are in good working order.

Structural damage

If your home itself has been damaged you will need to contact a qualified builder, tradesman or roofer to carry out repairs. Always get a written quote beforehand and if the quote is above $3300 you will need to enter into a written contract – this is a legal requirement.

Finally, always ensure you use a licensed contractor or electrician. Unfortunately, natural disasters can attract unscrupulous operators ready to take advantage of distressed homeowners. Avoid payments upfront (there are laws regarding deposit limits) and make sure any quotations contain the name and license number of the contractor.