What to do after a storm damages your home or property.

By SARA VANDEN BERGE

Widespread damage to homes and property was reported following powerful thunderstorms that blew through Erath County Sunday night.

High winds and large hail damaged homes and roofs, shattered windows and left behind strewn debris.

Now, Leslie Walker, a local insurance agent with Farmers Insurance is issuing an important list of things to do if your property suffered damage.

• Do not sign any contracts immediately after the storm.

• Choose local roofing companies whenever possible.

• Ask to see the required city permit before any work begins.

• State law prohibits contractors from waiving your deductible.

• Have a reputable roofer inspect your roof for damage. Your neighbor’s damage does not necessarily mean your roof was damaged as well.

Also, if you file a claim, it may still appear on your record even if you later withdraw it or the damage falls below your deductible.

Before filing a claim…

• Contact your insurance agent if you have questions about your coverage or next steps.

• Unless your home has leaks or significant damage, consider waiting until storm season ends before filing a claim.

• Remember that each claim is subject to a separate deductible.

For example, if you file a claim, an adjuster inspects it, and another storm occurs that same day, a new deductible may apply.