Tips for those who have suffered storm damage:

Tips for those who have suffered storm damage:

Call your insurance agent or company as soon as you can. Be sure your agent knows how to contact you, especially if you have to move out of your home.

Take reasonable steps to prevent additional damage if permitted by public safety authorities and if you will not endanger yourself.

Closely inspect property and cars for damage. Note and photograph any damage.

If required to seek temporary housing, check your policy for “loss of use” coverage.

Be sure everything is considered in your claim. Back up claims with written estimates.

Tips to avoid becoming a victim of contractor fraud:

Obtain a list of reputable contractors from your insurance carrier, the Better Business Bureau or a specialized consumer organization.

Contact multiple contractors and obtain more than one estimate.

Do not allow a contractor to inspect your property when you are not home.

If you give a contractor permission to inspect your property, personally watch them conduct the inspection.

Obtain, in writing, the terms and conditions of the project.

Avoid signing a contract until the document is reviewed fully and/or discuss the terms of the contract with a legal representative or a trusted adviser.

Pay the contractor by check or credit card, rather than in cash, and do not pay in full until all work has been finished.

Source: Ohio Lieutenant Governor and Department of Insurance Director Mary Taylor