Our step-by-step guide will give you practical tips for what to do when you have storm damage.

You’ll also want to get to know your insurance policy before you oughta use it.

And always check for any caps in your coverage as well.

gray house with tree down in yard

Credit:Getty Images / patty_c

For example, a lot of mold policies have a $7,500 cap," he adds.

“Get to know your insurance policy before you gotta use it,” Brenner says.

“Because once something happens, its too late to make changes.

“This will be super important for your claim,” he says.

These can cause power surges, and these power surges can yield sparks and fire.

“I have seen numerous houses burnt to the down,” he adds.

Brenner suggests calling your insurance provider’s hotline.

But how do you know whether you gotta start the claims process?

“Some contractors also offer payment plans as well so insurance may not always be the only viable option.

Every insurance company has recommended vendors, but you dont have to stick to those vendors.

Sometimes, preferred vendors may work in the favor of the company, not the customers best interest.”

Brenner explains that sometimes, people can inadvertently say things that put their claim at risk.

Never lie to an agent or adjuster, as this is fraud.

But if you dont know, tell them you dont know.

Brenner strongly suggests researching the company you’re considering before inviting anyone into your home.

“Call your local restoration contractor and read reviews.

It’s critical to reach out to your support system and strategize a safety plan.

“[Don’t] let your emotions make your situation worse than it is.

Remain calm and take appropriate steps,” Brenner says.