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Northern Reflections Construction

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Fires
In Case of a Fire
Recovering from a Fire

Floods
In Case of a Flood
Recovering from a Flood

Tornadoes
In Case of a Tornado
Recovering from a Tornado

If you encounter damage to your home or property, the Insurance
Information Institute (http://www.iii.org/) offers the following advice:

Protect Your Family

		Plan a safe rendezvous point for you and your family in the event that
		you are separated during a disaster.
		Do not return to your home until officials declare that it is safe to do so.

Protect Your Property

		Notify your insurance agent or company representative as soon as
		possible. If you have vacated the premises, make sure your representative knows where to contact you.
		Make a detailed list of all damaged or destroyed personal property.
		Don't throw out damaged property until you have met with an adjuster. Use pictures and inventory lists to help your insurance agent and adjuster assess the damages.
		Keep receipts for additional living expenses and for temporary repair
		costs so you can get insurance reimbursement. Additional living expenses are those you incur over and above your normal daily expenses because you have to stay in a hotel or drive further to work.
		Don't be rushed into signing repair contracts. Deal with reputable
		contractors. If you're unsure about a contractor's credentials, contact your claims adjuster. Make sure the contractor you hire is experienced in repair work - not just new construction. Be sure of payment terms and consult your agent or adjuster before you sign any contracts.

In Case of a Disaster: Precautions from
the Insurance Information Institute

Northern Region: (231) 929-8007 Western Region: (616) 242-8400