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Tips if you've suffered storm damage on your property

Suffered storm damage on your property? Here are some things you should do:

• Contact your insurance company immediately.

• Take photos or video. Wait to remove damaged property until after an insurance adjuster sees it.

• If you must relocate, make sure your insurance company knows how to reach you.

• Keep receipts from emergency repairs and temporary living expenses.

• Make only repairs needed to prevent further damage. Do not make permanent repairs before consulting with your insurance company to avoid expenses that will not be reimbursed.

• Seek estimates from at least two contractors.

• Make a list of damage.

• Keep paperwork for claims that are denied. If the federal government later declares the region a disaster area, you might be eligible for federal relief.

• Read your policy to understand what's covered.

Source: Office of Maryland Insurance Commissioner

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