CORPUS CHRISTI, Texas — For most, the recent cold snap has been little more than a big inconvenience. However, if you ended up with damage from the freezing weather, you may be wondering what to do now.
It seems that when dealing with insurance and contractors, being prepared can help pave the way for a smooth experience.
Stephanie Waterman is an agent with Farmers Insurance. She said that making a claim does not have to be a complex process and is not something you want to put off.
“The sooner you can call your insurance company or get a restoration company out there, the better it’s going to be every time,” Waterman said.
She added that your insurance agent can quickly get you up to speed on what is and is not covered.
“Generally, the actual broken pipe is not going to be covered," Waterman said. "It’s the damage of the water that’s going to be covered under the insurance.”
Something else to keep in mind If your cleanup and repair needs call for professional help—know who you are dealing with.
Katie Galan with the Better Business Bureau said that after significant weather events, they typically get reports about unethical contractors operating in the area, often referred to as "storm chasers."
“These are people who will come from out of state, and they come to try to take advantage of people,” Galan said. “[They'll say] ’Hey, I’m doing some work on your neighbor’s house next door, can I come and do some work on your house here? It looks like you have some damage.’”
She said it is important to do your research before trusting anyone to do your repairs. That may include getting several bids. It should definitely include getting everything in writing.
Another scam to watch out for is a call, text or email from someone claiming to be with your utility company, saying that they are going to shut off your heat unless an immediate payment is made. Galan said that It is likely someone who wants to take advantage of your fear.
In that instance, it is best to contact your utility company yourself through the phone number on your most recent bill, to verify the situation.
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